Banking system controlled by data bearing records

ABSTRACT

A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.

CROSS REFERENCE TO RELATED APPLICATIONS

This application claims benefit under 35 U.S.C. §119(e) of ProvisionalApplication Ser. No. 60/928,486 filed May 9, 2007. This application isalso a continuation-in-part of U.S. application Ser. No. 11/789,657filed Apr. 25, 2007. U.S. application Ser. No. 11/789,657 is adivisional of U.S. application Ser. No. 10/621,433 filed Jul. 16, 2003,which is a continuation-in-part of U.S. application Ser. No. 09/408,858filed Sep. 30, 1999, which claims the benefit of U.S. ProvisionalApplication 60/109,941 filed Nov. 25, 1998 and U.S. ProvisionalApplication 60/135,720 filed May 25, 1999, and the disclosures of eachof these applications are incorporated herein by reference in theirentirety.

TECHNICAL FIELD

This invention relates to banking systems controlled by data bearingrecords which may be classified in U.S. Class 235, Subclass 379.

BACKGROUND ART

Automated banking systems operate responsive to data read from databearing records. Automated banking machines may include a card readerthat operates to read data from a bearer record such as a user card. Theautomated banking machine may operate to cause the data read from thecard to be compared with other computer stored data related to thebearer. The machine operates in response to the comparison determiningthat the bearer is an authorized system user to carry out at least onetransaction which is operative to transfer value to or from at least oneaccount. A record of the transaction is also commonly printed throughoperation of the automated banking machine and provided to the user. Acommon type of automated banking machine used by consumers is anautomated teller machine (“ATM”). ATMs read customer cards and enablecustomers to carry out banking transactions. Banking transactionscarried out using ATMs may include the dispensing of cash, the making ofdeposits, the transfer of funds between accounts and account balanceinquiries. The types of banking transactions a customer can carry outare determined by the capabilities of the particular banking machine andthe programming of the institution operating the machine.

Other types of automated banking machines may be operated by merchantsto carry out commercial transactions. These transactions may include,for example, the acceptance of deposit bags, the receipt of checks orother financial instruments, the dispensing of rolled coin or othertransactions required by merchants. Still other types of automatedbanking machines may be used by service providers in a transactionenvironment such as at a bank to carry out financial transactions. Suchtransactions may include for example, the counting and storage ofcurrency notes or other financial instrument sheets, the dispensing ofnotes or other sheets, the imaging of checks or other financialinstruments, and other types of service provider transactions. Forpurposes of this disclosure an automated banking machine or an ATM shallbe deemed to include any machine that may be used to carry outtransactions involving transfers of value.

Automated banking machines and systems may benefit from improvements.

OBJECTS OF EXEMPLARY EMBODIMENTS

It is an object of an exemplary embodiment to provide a banking systemcontrolled responsive to data read from data bearing records.

It is an object of an exemplary embodiment to provide an apparatus forcarrying out banking transactions commonly required by merchants.

It is a further object of an exemplary embodiment to provide anapparatus that both dispenses and receives currency in the form of notesand coins.

It is a further object of an exemplary embodiment to provide anapparatus that can exchange currency or credit for notes or coins.

It is a further object of an exemplary embodiment to provide anapparatus that accepts deposits of notes, cash, coins, credit slips,checks or other instruments.

It is a further object of an exemplary embodiment to provide anapparatus that provides an operator with written documentation of thetransactions they have conducted.

It is a further object of an exemplary embodiment to provide anapparatus for carrying out merchant banking transactions that hasimproved capabilities.

It is a further object of an exemplary embodiment to provide anapparatus that dispenses rolled coins and which provides for retractingcoins which are not taken by a user.

It is a further object of an exemplary embodiment to provide anapparatus for conducting merchant banking transactions that includesaccepting deposit items that include data bearing records thereon.

It is a further object of an exemplary embodiment to provide anapparatus and system that notifies different selected entities of avariety of conditions or requirements which exist at the apparatus.

It is a further object of an exemplary embodiment to provide anapparatus which communicates transaction messages to a remote computerwhich includes information as to the denominations of notes and coinswhich make up a deposit or withdrawal.

It is a further object of an exemplary embodiment to provide anautomated banking machine system which can receive depositor input viaremote communication through an input device, wherein the depositorinput includes data corresponding to at least one item in the deposit.

It is a further object of an exemplary embodiment to provide a method ofoperating an automated merchant banking apparatus.

Further objects of exemplary embodiments will be made apparent in thefollowing Detailed Description of Exemplary Embodiments and the appendedclaims.

The foregoing objects are accomplished in an exemplary embodiment by anautomated merchant banking apparatus. The apparatus includes a userinterface. The user interface includes output devices such as a screenand/or audio speakers. The interface further includes input devices suchas a card reader, a keypad, function keys and/or a touch screen. Thecard reader is operative to read data from user cards corresponding tofinancial accounts. The interface is operative to provide instructionsto and to receive inputs from users. The interface is operativelyconnected to one or more terminal processors which are in operativeconnection with one or more data stores. The data stores includeinstructions for operating the apparatus in response to various inputsand conditions. The data store further includes records pertaining totransactions conducted using the apparatus as well as data correspondingto connected computers and systems with which the apparatus may exchangemessages for carrying out transactions.

The exemplary at least one terminal processor is in operative connectionwith a variety of transaction function devices. The transaction functiondevices include a note dispenser which selectively dispenses severalcommon varieties of currency notes. The terminal processor is further inoperative connection with a note acceptor. The note acceptor isoperative to identify and validate a number of different denominationsof currency notes. Valid currency notes are accepted into the machineand the user is afforded a corresponding credit.

The banking apparatus of the exemplary embodiment further includes arolled coin dispenser. The rolled coin dispenser dispenses coin rolls invarious denominations. The rolled coin dispenser is operative to presentcoins to a user. If the user fails to take any of the presented rolls amechanism retracts them into the machine.

The merchant banking apparatus of the exemplary embodiment furtherincludes a depository. The depository is operative to receive depositenvelopes in some exemplary embodiments. In other embodiments thedepository is operative to receive instruments such as checks, and tocancel such checks and to generate and store images of the depositedinstruments.

The merchant banking apparatus of an exemplary embodiment furtherincludes a bag depository. The bag depository is operative to accept andsecure the deposited parcels containing cash, coin, credit slips, checksand the like.

The exemplary embodiment enables a merchant user to receive selectedquantities and denominations of coins and notes. The user may pay forthese notes either with cash, which is accepted by the note acceptor, orby using a card based account, such as an account associated with adebit or credit card. The user may also make deposits in the form ofenvelopes or instruments into the depository. A user may further makedeposits of large parcels into the bag depository. Using the interfaceof the machine, the user is enabled to specify precisely what isdeposited into the machine and is provided with detailed receiptsconcerning the deposit. The user is further afforded the opportunity toobtain multiple receipts for a single deposit so that the user maydeliver at least one of the receipts to their employer to evidence themaking of the deposit, and also maintain at least one for their recordsin the event the one provided to their employer is lost.

The exemplary embodiment further provides a visually reproducible recordassociated with deposit transactions. This includes in the case of bagdeposits, for example, concurrent images or combined images of both theuser making the deposit as well as what is deposited. These concurrentimages are presented to the user on the screen of the device at the timeof the deposit to provide the user further assurance that the deposit isdocumented. Such records pertaining to deposits may be stored along withtransaction information as stored data in the memory in the apparatus,or at another location. This enables the operator of the apparatus toreview both transaction and visual image data pertaining to suchtransactions.

The exemplary embodiment further enables the operator of the merchantbanking apparatus to monitor levels of dispensed items such as currencyand coin. Appropriate entities are given notice selectively concerningthe need to replenish such items. Similarly, the exemplary embodimentmonitors the level of deposits accepted by the note acceptor, envelopeor instrument depository and bag depository. Appropriate personnel areselectively given notice of the need to service or take action to removeaccumulated deposits.

The exemplary form of the automated merchant banking apparatus andmethod enables merchants to carry out transactions on an automated basisthat are necessary to support their business activities. Exemplaryembodiments accept deposits including data bearing records, includingRFID tags. Such records include deposit and content indicating data.Transactions can be carried out at the convenience of the merchant toconform to their hours of operation. Further, the automated merchantbanking apparatus of the exemplary embodiment is secure yet relativelyeconomical to produce and operate. Of course the systems and apparatusshown are exemplary.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a front plan view of an exemplary embodiment of an automatedbanking apparatus.

FIG. 2 is a schematic view of hardware and software components whichcomprise the apparatus shown in FIG. 1 and an exemplary system in whichit is operated.

FIG. 3 is a schematic view of exemplary transaction function devicesincluded in the apparatus shown in FIG. 1.

FIG. 4 is a schematic view of the apparatus shown in FIG. 1 inconnection with various remote computers to a network.

FIG. 5 is a schematic view of the rolled coin dispenser and noteacceptor units of the embodiment shown in FIG. 1.

FIG. 6 is an exemplary embodiment of a rolled coin dispenser unit usedin connection with an exemplary apparatus.

FIG. 7 is a schematic view of a note acceptor unit used in an exemplaryembodiment.

FIG. 8 is an isometric view of a rolled coin delivery and retractionmechanism used in connection with the rolled coin dispenser of theapparatus shown in FIG. 1.

FIG. 9 is a front plan view of the mechanism shown in FIG. 8.

FIG. 10 is a partially exploded isometric view of the mechanism shown inFIG. 8.

FIG. 11 is a side cross-sectional view of the mechanism shown in FIG. 8.

FIGS. 12-14 are side schematic views showing the operation of the rolledcoin deflectors in positioning and absorbing energy from a coin rollbeing dispensed.

FIG. 15 is a side schematic view showing the operation of the coindeflectors in connection with a small diameter coin roll beingdispensed.

FIG. 16 is a side view of coin rolls in position to be taken by user.

FIG. 17 is a schematic view of the roll coin retraction unit in aposition for supporting coin rolls for presentation to a user.

FIG. 18 is a schematic view similar to FIG. 17 with the roll coinretraction unit moved to a position to retract coin rolls within themachine.

FIG. 19 is a back view of the fascia associated with the rolled coindispenser and note acceptor unit.

FIG. 20 is an enlarged view of the upper fascia moving mechanism shownin FIG. 19.

FIG. 21 is an enlarged view of the lower fascia moving mechanism shownin FIG. 19.

FIG. 22 is a schematic view showing the upper fascia moving mechanism inan extended position.

FIG. 23 is a rear schematic view of the boltwork and deadbolt used inconnection with the housing for the rolled coin dispenser and noteacceptor.

FIG. 24 is a front view of the door of the enclosure housing the rolledcoin dispenser and note acceptor.

FIG. 25 is the schematic view of the movable upper bolt portion which isoperative to move the fascia moving mechanism.

FIG. 26 is a front isometric view of the bag depository portion of theapparatus shown in FIG. 1.

FIG. 27 is a view similar to FIG. 26 with the lower fascia door shown inan open condition.

FIG. 28 is a cross-sectional view of the bag depository portion shown inFIG. 26.

FIGS. 29-43 are exemplary screen displays output through the userinterface of the apparatus which exemplify a logic flow used inconnection with money exchange transactions.

FIG. 44 is an exemplary money exchange transaction receipt output by theexemplary embodiment.

FIGS. 45-51, 53 and 54 are screen displays output by the user interfaceof the exemplary embodiment associated with a bag deposit transactioninto the bag depository portion.

FIG. 52 is an exemplary deposit transaction receipt provided by theapparatus shown in FIG. 1 in connection with a bag deposit transaction.

FIGS. 55-56 are exemplary screen displays output by the apparatus shownin FIG. 1 or a remote computer presented in connection with accessingdata concerning transactions conducted at the apparatus shown in FIG. 1.

FIG. 57 is an exemplary reconciliation report produced responsive totransactions conducted at the apparatus shown in FIG. 1.

FIG. 58 is an exemplary detailed deposit report output responsive totransactions conducted at the apparatus shown in FIG. 1.

FIG. 59 is an exemplary deposit summary report summarizing deposittransactions conducted at the apparatus shown in FIG. 1.

FIG. 60 is an exemplary showing of a label having an RFID tag.

FIG. 61 is an exemplary showing of a deposit ticket having an RFIDlabel.

FIG. 62 is an exemplary showing of a deposit bag having an RFID tag.

FIG. 63 is an exemplary showing of a zippered cash bag having an RFIDtag.

FIG. 64 is an exemplary showing of a card having an RFID tag.

FIG. 65 is an exemplary showing of a license plate having an RFID tag.

FIG. 66 is an exemplary showing of a check having an RFID tag.

FIG. 67 is an exemplary showing of a deposit accepting machine.

FIG. 68 is an exemplary showing of communication paths between an RFIDtag reader and an RFID tag.

FIG. 69 is an exemplary showing of a deposit transaction receipt havingan RFID tag.

FIG. 70 is a schematic view of an alternative embodiment of a systemthat accepts deposits.

FIG. 71 is a schematic view of an alternative embodiment for trackingdeposits using RFID tags.

DETAILED DESCRIPTION OF EXEMPLARY EMBODIMENTS

Referring now to the drawings and particularly to FIG. 1, there is showntherein an exemplary automated merchant banking apparatus generallyindicated 10. The apparatus of this exemplary embodiment includes afirst housing portion 12. Apparatus 10 further includes a second housingportion 14 and a third housing portion 16. It should be understood thatwhile the exemplary embodiment of the apparatus includes three (3)separate housing portions, other embodiments may have a single housingportion or other multiples of separate housings.

First housing portion 12 has in supporting connection therewith a userinterface 18. Interface 18 includes input and output devices forproviding communications to and for receiving instructions from users ofthe apparatus. The exemplary user interface 18 includes a screen 20.Screen 20 serves as an output device for providing visual instructionsto a user. In an exemplary embodiment, screen 20 is a touch screen andalso serves as an input device for receiving inputs when a user bringstheir finger adjacent to selected areas of the screen.

Interface 18 also includes a card reader schematically indicated 22.Card reader 22 reads data from cards or other data bearing recordsassociated with users. In the described embodiment card reader 22 isoperative to read indicia encoded on a magnetic stripe card. Inalternative embodiments card reader 22 may be operative to readinformation recorded in other forms such as information stored on a chipof a “smart card,” optical indicia encoded through bar coding or otheroptical indicia, radio frequency identification (RFID) tags, or otherdata bearing records. The data may include data corresponding to usersand/or user's financial accounts. The particular type of card reader orsimilar reading device used and the data that is read through operationthereof depends on the requirements of the machine.

Interface 18 further includes a printer schematically indicated 24.Printer 24 is operative to deliver printed articles through a printerslot shown in the interface of the machine. Printer 24 is operative todeliver a plurality of different types of printed documents to a user,examples of which are later described.

Interface 18 further includes a keypad 26. Keypad 26 is operative toaccept manual inputs from a user operating the machine. It should beunderstood that while in the exemplary embodiment shown, a telephonetype keypad is used, other embodiments may include typewriter typekeyboards and other types of key sets including function keys or othertypes of instruction keys. The type of keypad and/or other input keysused will depend on the types of inputs that are required to be receivedfor operation of the machine.

It should be understood that the input and output devices described inconnection with the apparatus are exemplary and other embodiments mayinclude additional and other types of input and output devices. Suchdevices may include, for example, audio output devices, touch sensitiveoutput devices and other devices for indicating information to a user.Likewise, other types of input devices may be used for receivinginformation from users. These may include, for example, visual inputdevices, audio input devices, a mouse, fingerprint, iris, retina orother biometric reading devices and other types of devices which arecapable of receiving information and/or instructions from the user.

First housing portion 12 further includes a camera 28. Camera 28 in thisexemplary embodiment serves as an input device for capturing images ofpersons conducting transactions at the machine. In alternativeembodiments camera 28 may function as part of a user identificationsystem which is used for identifying users by their appearance and voicesuch as is shown in U.S. patent application Ser. No. 09/037,559 filedMar. 9, 1998, the disclosure of which is incorporated herein byreference.

Apparatus 10 further includes a note dispenser schematically indicated30. Note dispenser 30 is operative to dispense various denominations ofnotes to users of the apparatus in response to instructions input to themachine. Note dispenser apparatus 30 may have various forms, such as amechanism that dispenses notes of various denominations from storagecanisters housed within the housing of the machine. Alternativeembodiments may include note dispensers that have the capabilities ofboth accepting, identifying, storing and dispensing notes such as isshown in U.S. Pat. No. 6,109,522 and/or Ser. No. 60/067,319 filed Nov.28, 1997, or U.S. Pat. Nos. 6,273,413, 7,261,236, 6,331,000 and/orapplication Ser. No. 08/980,467 filed Nov. 28, 1997, all of which areowned by the Assignee of the present invention and which areincorporated herein by reference as if fully rewritten herein.

Apparatus 10 further includes a depository schematically indicated 32.Depository 32 in some embodiments may include a depository for acceptingenvelope-type deposits. Envelope-type deposits may include cash, checksor other items representative of value which are inserted and stored indepository envelopes. Alternatively or in addition, depository 32 mayinclude a depository mechanism for accepting and identifying instrumentssuch as checks, such as a mechanism of the type shown in U.S. Pat. Nos.5,422,467, 7,213,746 and/or 7,314,163 the disclosures of which areincorporated herein by reference as if fully rewritten herein.

Depositories which are operative to accept instruments such as checksmay be operative to cancel and image such instruments. Such mechanismsmay be further operative to generate messages which enable the machineto credit the user's account responsive to the information which isobtained from the instruments through their processing in the machine.It should be understood that the cash accepting and/or dispensingfunctions as well as the instrument accepting and imaging functions maybe carried out using a single mechanism such as is shown in U.S. Pat.No. 6,273,413 which is incorporated herein by reference. Of course,other types of depository and dispensing mechanisms may be used.

Apparatus 10 further includes in first housing portion 12 a secure chestportion 34. Secure chest portion 34 resides in the lower portion ofhousing portion 12 in the exemplary embodiment and is used to securenotes for later dispense as well as deposited items therein. A fasciacover 36 overlies a door which can be opened by authorized persons toobtain access to the interior of the secure chest portion. The fasciacover 36 has a lock 38 thereon. Lock 38 can be opened by persons havinga key thereto. Once the fascia cover is opened with the key, access tothe outer face of the door of the secure chest is obtained. In thiscondition the handle and dial input device for the lock are exposed. Asimilar handle and dial input device along with a fascia cover areemployed on third housing portion 16. FIG. 27 shows the fascia cover onthat housing in an open position with the dial and handle of a securechest door exposed thereon. Authorized personnel who have the key tolock 38 as well as the combination which enables accessing the chestportion of housing portion 12 are enabled to access the notes,instruments and other items stored in the chest. Such persons areenabled to remove and/or replenish such items. It should be understoodthat in some embodiments the same individuals may be authorized toaccess and service components within all of the housing portions of theapparatus, while in alternative embodiments different persons may beauthorized to access the interior of certain housing portions and notothers.

Second housing portion 14 includes a rolled coin dispenser unitschematically indicated 40. Rolled coin dispenser unit is operative toselectively dispense various denominations of coin rolls. As laterdescribed in detail, the rolled coin dispenser is in operativeconnection with a coin presenter and retraction unit 42 that enablesusers to access dispensed coin rolls and retracts untaken coin rollsinto an area of the machine that is not generally accessible by a user.The coin presenter and retraction unit generally includes a door 44 inoverlying relation thereof. The coin presenter and retraction unit isaccessible through an opening in a movable fascia cover unit 46 that islater described in detail. The movable fascia cover unit is operative tomove outward responsive to unlocking a door which secures an interiorarea of second housing portion 14. The outward movement of the movablefascia cover unit enables the unit to be opened without interfering withother components of the apparatus.

The apparatus further includes a note acceptor schematically indicated48. Note acceptor 48 is operative to accept and identify variousdenominations of currency bills inserted by user. As later discussed,the note acceptor 48 is further operative to credit a user for the valueof accepted notes. A user may use the credit for purposes of exchangingsuch notes for other denominations of notes or rolled coin, or forcrediting the user's account. In alternative embodiments the noteacceptor may be combined with a note dispenser 30 and/or the instrumentacceptor 32 which operate in the manner of the devices described in thedisclosures which are incorporated herein by reference.

Second housing portion 14 further includes a fascia cover 50. Fasciacover 50 can the opened by opening a lock 52 which can be opened byauthorized persons. Opening lock 52 enables a fascia cover 50 to bemoved to expose a combination dial of a lock, and a handle or othermechanism that can be used for opening a door overlying the interior ofsecond housing portion 14.

Third housing portion 16 includes a depository. The depository mayaccept deposit bags or other deposit items. The bag depository includesa depository head portion 54. Depository head portion 54 includes amovable door 56 which covers an access opening 57. Door 56 can be openedby persons authorized to make deposits into an interior area inside theapparatus. Depository head portion 54 further includes a camera 58 whichserves as an external imaging device which has a field of view whichincludes an exterior area outside the housing of the apparatus and isoperative to capture images of persons making deposits therein in amanner later discussed. Depository head portion 54 in the exemplaryembodiment further includes a key lock 60. Key lock 60 may be operatedby keys inserted by authorized persons. In certain embodiments theappropriate key must be inserted before the bag depository door 56 canbe opened. Alternatively, the bag depository door may be opened withouta key as a result of inputs to the user interface. This may include forexample, reading data from a user card through operation of a cardreader, and determining through operation of a computer if the card datacorresponds to data for an authorized user. In response to the read datacorresponding to an authorized user the computer may cause the lock tounlock the door, enabling a deposit item to be input to the housing. Theapparatus may alternatively be configured to require both appropriateinputs to one or more input devices of the user interface such as dataread from a card, a personal identification number (PIN), biometric dataand/or a key to place deposits in the housing.

The third housing portion 16 of the exemplary apparatus further includesa chest portion schematically indicated 62. Chest portion 62 is aninternal area of the housing operative to securely hold bags ofdeposited materials that have been deposited into the apparatus. Afascia cover 64 overlies a chest door of the chest portion. Fascia cover64 includes a lock 66 which can be opened by authorized persons toprovide access to the components which control access to the interior ofthe secure chest.

FIG. 27 shows housing portion 16 with the fascia cover in an openposition. A chest door 68 overlies the chest portion 62 of the housing16. A combination accepting dial 70 can be used to input combinations.If the correct combination is input, a handle 72 connected to anappropriate boltwork will move the mechanisms holding door 68 in aclosed position and enable door 68 to be opened. Opening door 68 enablesremoval of the bag deposits from an interior area of the housing. Aftersuch bag deposits have been removed, the door 68 may be closed and theboltwork resecured. As previously discussed, housing portion 12 may havea similar secure door. The boltwork and locking mechanism used to securethe doors overlying the housings may be similar to that discussed laterin connection with housing portion 14 or may be any other suitablelocking mechanism and boltwork for purposes of securing the doors.

FIG. 2 shows a schematic view of hardware and software components of theapparatus 10. Apparatus 10 includes a terminal processor schematicallyindicated 74 which serves as a controller for controlling devices in theapparatus. Terminal processor 74 may be a single computer or may includeone or more processors or computers which are operative to control theoperation of the apparatus. For purposes of this disclosure a controlleror computer will be deemed to include one or more processors that arecapable of executing software instructions.

Terminal processor 74 is in operative connection with one or more datastores 76. Data store 76 is operative to hold programmed instructionsfor controlling operation of the apparatus as well as records includinginformation concerning transactions conducted at the apparatus. Terminalprocessor 74 is in operative connection through appropriate interfaceswith transaction function devices 78, 80, 82, 84, 86, 88, 90, 92 and 94.Transaction function devices include devices that are operative to carryout activities related to transaction functions in the machine. Thetransaction function devices may include for example the input andoutput devices of the interface 18. The transaction function devices mayfurther include items such as the printers 24, cameras 28, 58 and otherdevices. The transaction function devices may further include notedispenser 30, depository 32, note acceptor 48 and other devices whichare operative to either provide or accept notes or other instrumentsfrom users of the machine. The transaction function devices furtherinclude roll coin dispenser 40, bag depository head portion 54 and otherdevices within the machine. The transaction function devices includedevices which are controlled or which receive information from one ormore terminal processors 74 are required to control or receiveinformation from in the operation of the machine. The particular typesof transaction function devices used in the machine depends on theparticular apparatus and the transaction functions that it carries out.

In alternative embodiments each transaction function device may have itsown processor(s) and data store(s) for purposes of identifying itself toother connected devices, for controlling the associated hardware inresponse to transaction events and for generating events to which otherdevices may react. An exemplary system of connected devices of this typemay communicate using Universal Serial Bus (USB) communication and/oroperate using Jini™ technology from Sun Microsystems. Systems which areconnected with such devices may not require a separate device forcarrying out the functions of the terminal processor 74. Rather thesefunctions may be accomplished by the multiple processors and data storesdistributed among the transaction function devices, each of which servesas a terminal processor. Those skilled in the art may devise otherprocessor configurations for control and coordination of operationbetween the transaction function devices.

The terminal processor 74 as well as the transaction function devices ofthe exemplary embodiment shown in FIG. 2 are in operative connectionwith one or more communication subsystems schematically indicated 96.The communication subsystem provides communication between the apparatusand other components with which the apparatus must communicate to carryout transactions. Subsystem 96 includes for example a software driver98. Software driver 98 communicates through an interface device 100 witha communications network 102. Communications network 102 in thisexemplary embodiment may be an ATM communications network or one or morenetworks such as CIRRUS®, PLUSH or other suitable communicationsnetwork. The network is connected through an interface 104 to a sourceof monetary value schematically indicated 106. The source of monetaryvalue 106 may be a bank or other electronic clearing house, credit cardprocessor or similar entity which through a computer connection isoperative to transfer funds between accounts.

In the exemplary embodiment one or more sources of monetary value areaccessible through the network 102. The sources affect the transfer offunds between the accounts associated with the merchants who use themerchant banking apparatus and the customers of such merchants who haveprovided payments through credit slips, checks or other instrumentsdeposited in the apparatus. Such transfers may occur virtuallyinstantaneously or on a periodic batch basis electronically when theapparatus has the capability of automatically reading such instruments.If the apparatus does not have such capabilities the credits are madeafter the deposits are reviewed and verified. A plurality of sources ofmonetary value 106 may be connected to the machine through the network.Such entities are capable of transferring funds between the accounts ofthe user and entities with which the user has accounts, as well as theoperator of the banking apparatus, so as to account for funds depositedinto or taken from the banking apparatus by the user. Various approachesfor connecting to sources of monetary value may be used with variousembodiments. These may include for example, lease line connections,dial-up connections, or wireless connections to local and wide-areanetworks.

The communication subsystem of the exemplary embodiment further includesservers 108, 110 and 112. Servers 108, 110 and 112 are operative tocommunicate through a communications interface 114 with a network 116.Network 116 may be any suitable local or wide-area network forcommunicating messages. Network 116 may include the Internet. In thisexemplary embodiment network 116 is a network suitable for communicatingTCP/IP messages to a variety of remote servers and computersschematically indicated 118, 120 and 122. As schematically indicated inFIG. 2, the sources of monetary value 106 may also be accessible througha network 116 rather than through a separate network connection aspreviously discussed.

Embodiments may communicate messages between the apparatus 10 andremotely connected servers in the manner described in U.S. patentapplication Ser. No. 09/077,337 filed May 27, 1998, and/or U.S. Pat. No.7,266,526 the disclosures of which are incorporated by reference as iffully rewritten herein. In the manner of the incorporated disclosure,apparatus 10 may communicate with various servers operated by financialinstitutions or other sources of monetary value schematically indicated118 in FIG. 4. Such sources of monetary value may include a serveroperated by the bank of the particular merchant user of the machine. Theserver operated by the merchant's bank may have a particular “home page”or series of pages including HTML, XML or other mark up languagedocuments which make up an application. This application when accessedusing a browser operative in a processor of the banking apparatusprovides a user interface tailored to the particular merchant user ofthe machine. The pages may include programs or instructions for carryingout transactions and/or for operating transaction function devices. Thismay facilitate operation of the apparatus by the merchant and theiremployees.

Such a customized user interface application may be particularly usefulwhere a merchant user has particular types of documents to be depositedor other types of transactions that may not be common to other merchantusers of the machine. This approach enables the presentation of userinterfaces which use terminology that will be known to employees of theparticular merchant user because they are used in connection with theoperations of the user. This may include, for example, deposits ofparticular types of discount or promotional coupons, vouchers, scrip, orother things that the merchant user may accept as payment for goods orservices. It may alternatively involve different language screens forpersons whose primary language differs from most users. Such customizedinterfaces facilitate the operation of the machine by each particularuser.

The interfaces and applications may be designed to carry outtransactions using the nomenclature and/or trademarks utilized by themerchant user. For example, a user may have certain practices in whichit places predetermined types or amounts of items in combination ortogether as a named article. For example, a merchant user may place acertain type and/or amount of currency in a blue bag, another typeand/or amount in a red bag, credit card vouchers from MasterCard® creditcards in a white bag and other types and/or amounts of things in othercolored deposit bags. The application may operate to cause the userinterface to present instructions for deposit transactions usingterminology which refers to the colored bags. The application may alsocalculate deposit types and amounts based on inputs corresponding to themerchant's nomenclature. Of course the bag example is one of manypossible arrangements and business methods under which a merchant mayhave unique nomenclature or unique things (or collections of things) themerchant has defined. The merchant's unique application preferably usesthis nomenclature and knowledge of its meaning in program logic topresent an interface that is easy for the merchant's employees tounderstand and which can carry out any unique transactions orcalculations that may be required for the particular merchant'stransactions.

Another example of a particular merchant user application may be onewhere the user has certain types of receipts which are subject to tax,duty or tariff, such as a sales tax, and other types of receipts thatare not. Alternatively, the merchant may provide different items thatmay be subject to taxes, duties or tariffs at different rates. Themerchant may segregate receipts on this basis or otherwise categorizethe amount of such receipts. The merchant's customized application maybe prepared to accept the input of amounts in such multiple categories.The application may also operate to calculate and escrow the amounts ofthe taxes, duties or tariffs, and/or may coordinate with other systemsto electronically transfer the correct portions of the deposited fundsto the appropriate collection authorities.

Other examples of customized applications and interfaces may account forthe escrowing of amounts paid but not yet earned, as well as for latertransfers from escrow accounts to other accounts. Other customizedmerchant applications may account for the payment of royalties oncertain types of receipts, for example a franchisee who pays royaltiesin calculated amounts to a third party on at least some types ofreceipts. Other merchants may be entitled to rebates or incentives fromthird parties on certain types of receipts or for compensation due toacceptance of coupons. Applications for such merchants may include theinput of pertinent amounts or other data related to such items and thecalculation of the amount of credits or rebates. The application mayalso operate to coordinate with other systems to receive and transferthe amounts due to the merchant.

Customized merchant applications may also be integrated with computerprograms and systems run by the merchant or with third parties tofacilitate other activities. Such activities may involve tax calculationand payment on behalf of the merchant, inventory tracking and/or theftor fraud detection. The applications described herein are merelyexemplary of the types and uses of customized merchant applications forthe merchant banking apparatus.

Alternatively, or in addition, the automated banking machine may includea contact or non contact input device such as an infrared coupler or adata port. The merchant may load data needed by a customized or noncustomized merchant banking application into a portable memory module.The portable memory module may be a hand held device or may be attachedto an article to be deposited. The portable module may include aprocessor connected to the memory and couplers appropriate forcommunication. The module may be used to provide inputs to the bankingmachine in place of at least some manual and card inputs. This speedstransaction times. The machine may in addition receive and/or storecertification data in the memory of the module to serve as documentationthat the information in the module was communicated to the machine.

The apparatus 10 and its associated terminal processor of the exemplaryembodiment shown may further operate in the manner of the incorporateddisclosure or through other means to connect to remote marketing servers120. Marketing servers 120 may be selectively accessed based on rulesestablished by the operators of the machine 10 and the network 16 toprovide information which may be of interest to merchant users ofapparatus 10. Such information may include, for example, opportunitiesfor loan terms or investments available to small business people whichare offered by financial institutions. Such connections may be based onthe identity of the particular user operating the machine as determinedthrough the indicia encoded on a card or other information presented toinput devices of the apparatus. Marketing servers 120 may be operativelyconnected to one or more marketing databases 122 to determineappropriate presentations to provide to each particular user of themachine. Such presentations may be made during dwell times duringtransactions at the apparatus 10, such as when the apparatus is waitingfor a response from a remote computer, or at other times as may beappropriate. In certain embodiments the presentations made through themarketing servers are directed specifically at the user on a targetmarket or segment of one basis so as to tailor the presentations to theexpected needs or interests of the user.

As schematically represented in FIG. 3, the terminal processor 74 isoperatively connected to sensors. The sensors sense conditions oftransaction function devices. For example, the transaction functiondevices may include note dispensing mechanisms 30 which have notecontaining canisters 124. The note containing canisters may be of thetype shown in U.S. Pat. Nos. 4,871,085, 7,344,132 and/or 7,293,699 thedisclosures of which are incorporated herein by reference in theirentirety. Such note containing canisters 124 include indicators whichprovide signals representative of quantities of notes remaining in suchcanisters. The terminal processor is operative to receive such signalsand to take action in accordance with the programs stored in its datastore 76.

Likewise, the terminal processor 74 is in operative connection withother sensors in various transaction devices. For example, a sensor indepository 32 may be operative to provide signals indicative of thedepository approaching a filled condition necessitating removal of itemsdeposited therein. Similarly, note acceptor 48 is operative to indicateto the terminal processor 74 signals indicative of a status thereof.Similarly, the roll coin dispensers 40 and the chest portion 62 of thebag depository have sensors operatively connected therewith and providesignals indicative of status or other operational information to theterminal processor 74. The terminal processor 74 operates responsive tothe receipt of such signals in accordance with its programming to notifyappropriate entities.

Terminal processor 74 is operative to generate messages in response tothe signals it receives from the transaction function devices. Thesemessages are delivered through one or more servers residing on computersin the apparatus 10. The messages are delivered through the network 116to other computers and communication devices. Such messages may beselectively delivered to entities responsible for remedying or reactingto conditions that are sensed at the various transaction functiondevices. Such messages may include, for example, messages indicative ofmalfunctions in various devices. Messages about malfunctions may berouted to computers or other devices 126 associated with personsproviding repair services. Repair servicers may be selectively notifieddepending on the particular malfunction being sensed. In addition, therepair servicers may be selectively notified based on time of day,machine location or other parameters which dictate which repair serviceris to be notified of the particular condition. To achieve this, thesystem may operate in accordance with the teachings of the system shownin U.S. Pat. No. 5,984,178 and/or U.S. Pat. No. 7,036,048, thedisclosures of which are incorporated herein by reference as if fullyrewritten herein.

The terminal processor may further operate to indicate particularconditions to other entities responsible for handling conditions whicharise at the apparatus. For example, as indicated in FIG. 4, a need toreplenish a note supply may be communicated selectively through thenetwork 16 to a computer 128. Computer 128 may be associated with anentity responsible for replenishing the supply of notes in thedispensers within the machine. When the terminal processor receivessignals indicative of a need to replenish coin rolls, messages may berouted through the network 116 to one or more computers schematicallyindicated 130. Computer 130 may be associated with entities responsiblefor replenishing rolled coin within the apparatus 10. If the depository32 or bag depository 62 needs entities to be emptied, appropriatemessages may be provided to computers 132 associated with personsresponsible for removing items from depositories.

Messages may be provided in the manner of the incorporated disclosure todifferent entities and through different mediums depending on the natureof the conditions sensed at the apparatus 10. Messages may also beselectively provided based on the type of notes, coins, or depositswhich need to be supplied or removed, the time of day, the urgency ofthe situation, levels of security required and so on. Exemplaryembodiments enable selectively providing notices to entities which havethe ability to take the appropriate action at the apparatus 10 wheneversuch conditions occur. Embodiments which are designed to serve merchantbanking customers may require particularly prompt action to remedyconditions which might impede operation of the apparatus as merchantsmay have fewer options for conducting banking transactions than doconsumers, particularly during non-banking hours.

The exemplary embodiment of the apparatus includes cameras 28, 58 and326 later described. These cameras are preferably connected to systemsfor capturing and delivering image data of the type commerciallyavailable as the AccuTrack™ digital recording and playback systemcommercially available from Diebold, Incorporated and as shown in U.S.Pat. No. 6,583,813 and/or Application Ser. No. 60/103,731 filed Oct. 9,1998, the disclosures of which are incorporated by reference as if fullyrewritten herein. Such cameras operate in the apparatus 10 in connectionwith the terminal processor or other connected processors and datastores, to capture and store image data in a digital format related tooperation of the apparatus by users. The image data may be selectivelystored in memory at the apparatus 10 and accessed by appropriatepersonnel through the network 116 in the manner discussed in theincorporated disclosure.

Image server 134 shown in FIG. 4 is an example of a computer connectedto the network for purposes of accessing and receiving image data fromthe apparatus 10. Image server 134 may be connected to a data storagemedium for archiving image data and associated transaction data forpurposes of documenting transactions by users at the apparatus 10.Alternatively, banking personnel or authorized merchant users may beprovided with access to the network 116 through appropriate servers orother gateways. Such access may enable a merchant to access the imagedata associated with their particular transactions. In this way amerchant may verify that deposits have been made for the day from eachof their outlets. The merchant or bank may also access the image datawhich shows the particular employee who made deposits from each outletas well as the transaction data associated with each such deposit. Inthis way, a merchant may keep track of the status of their accounts aswell as the employees who are responsible for making such deposits.

The ability to determine remotely the making of deposits, the amountsand the times that such deposits are made, enable a merchant to keepclose track of their accounts as well as other information concerningtheir business. This also enables a merchant to keep better track ofcash flows and to make the best use of available resources. This mayinclude making transfers of funds as soon as they become available. Forexample, merchants may be enabled to make deposits of funds intoovernight accounts on which they may earn interest, and then obtainreversion of the funds the following business day into theirnon-interest or lower interest checking accounts. The ability to trackand obtain the immediate use of funds may be valuable particularly in amerchant banking environment.

Computer 136 represents an audit and tracking server which may be usedby merchants or banking personnel in reviewing available informationconcerning activity within the system. As previously discussed, computer136 may also serve as a gateway or firewall for providing access fromother networks such as a schematically indicated network 138. It shouldbe understood that in various embodiments, network 138 may include apublicly accessible network including a wide-area network such as theInternet. It should be understood, however, that in embodiments of theinvention appropriate security measures should be taken to preventaccess by unauthorized persons to financial and other data.

FIG. 5 shows schematically the components housed in the second housingportion 14 of the apparatus 10. In the described embodiment, housingportion 14 includes the note acceptor apparatus 48 for acceptingcurrency bills as well as a rolled coin dispenser device 40. The rolledcoin dispenser device in the exemplary embodiment includes a pluralityof rolled coin dispensers 140. An example of a rolled coin dispenser 140is shown schematically in FIG. 6. Rolled coin dispenser 140 in thisexemplary embodiment is similar in construction to that shown in UKPatent Application No. 2,314,062 which is incorporated herein byreference. Of course in other embodiments, other types of rolled coindispensers may be used.

In this exemplary embodiment rolled coins of similar size anddenomination are stored in cassettes 142. Cassettes 142 are configuredto bias the coin rolls therein toward a vertical elevator conveyor 144.The elevator conveyor 144 is driven by a drive 146 in the directionindicated to accept coin rolls from the cassettes and to move coin rollsto an outlet conveyor 148. The outlet conveyor 148 is driven by a drive150 to move coin rolls from the elevator conveyor to a coin outlet 152.Sensors schematically indicated 154 are positioned adjacent to the coinoutlet for detecting when coin rolls are dispensed therethrough. Thecoin rolls passing through the coin outlet are supported on a ramp 156.The coin ramp 156 directs coins to a straightening, delivery andretracting mechanism. In the exemplary form of the invention, theapparatus includes at least one coin dispensing mechanism 140 for fourdenominations of coins, specifically pennies, nickels, dimes andquarters. Of course in other embodiments, additional coin types and coindispensing mechanisms may be used.

Coins dispensed by the coin dispensing mechanisms 140 in the exemplaryembodiment are each delivered through the coin straightening, deliveryand retracting mechanism 162. Mechanism 162 is shown in FIGS. 8-11.Mechanism 162 includes a housing 164. Housing 164 is supported on aninterior face of door 160. Housing 164 has supported thereon a deflectorsupporting shaft 166 (see FIG. 10). Deflectors 168 are rotatablysupported on shaft 160. Each deflector 168 is mounted in a passage 170.Each passage 170 corresponds to a respective one of the rolled coindispensers. Dividers 172 separate the passages so that in the exemplaryembodiment each passage will receive coin rolls of only one denominationwhen such rolls are dispensed.

The passages 170 are bounded at the lower end by a movable door member174. The movable door member is rotatably mounted in supportingconnection with the housing through a pivot for a purpose laterdiscussed. The movable door member 174 overlies a coin retraction pocket176 or container which serves as a storage area (see FIG. 17).

A drive 178 shown in FIG. 8 is operatively connected to the door member174 through a transmission mechanism. The transmission mechanismincludes a rotatable shaft 180 which is connected to a drive shaft ofthe motor through a belt and pulley arrangement 182. First links 184 areconnected at each end of shaft 180. Each first link 184 is connected atan end opposed of shaft 180 to a second link 186. Each second link 186is connected to a tab 188 which extends upward on a side of door member174. The drive and transmission mechanism shown are exemplary and otherdrives suitable for achieving selective movement may be used.

As shown in FIG. 9, sensors 190 extend at opposed ends of housing 164.In the exemplary embodiment, sensors 190 include a radiation emitter andreceiver. The sensors 190 are operative to sense the presence of coinrolls in the passages. Openings 192 or apertures extend in generallyaligned relation in each of the dividers 172 so that the presence ofcoin rolls between any of the dividers is detected. The sensors shownare exemplary and other sensors suitable for sensing coin rolls may beused.

In the operation of the exemplary coin straightening, delivery andretracting mechanism, coin rolls dispensed move from the respectiverolled coin dispensers 140 on the coin ramps 156 as represented by coinroll 194 in FIG. 12. Such rolled coins are not necessarily travelingalong the coin ramp in a condition parallel to deflector support shaft166. Rather, such coin rolls may be substantially skewed from thedesired position as represented in FIG. 12. The deflector 168 includes afirst coin engaging surface 196. The first coin engaging surface extendsgenerally adjacent to a coin aligning surface 198 which in the describedembodiment is an inner surface of door 160. Coin deflector 168 furtherincludes a second engaging surface 200. Second engaging surface 200 isoperative to guide coins to engage the first coin engaging surface 196.In the described embodiment the second engaging surface 200 is alsoconfigured to prevent unauthorized access to the coins in the mechanism.

Deflectors 168 further include a counterweight portion 202.Counterweight portion 202 in the exemplary embodiment is disposed on anopposed side of shaft 166 from the coin-engaging surface 196.Counterweight portion 202 is preferably sized and configured to bias theend area 204 of first coin-engaging surface 196 to engage or at least bein close adjacent relation to coin-aligning surface 198. Counterweightportion 202 is preferably configured such that a relatively substantialincrease in force is required to move the end area 204 of surface 196 agreater distance away from the coin aligning surface 198 as the end areamoves further away from the aligning surface. As a result of thisconfiguration a greater force is required to move a larger diameter coinroll between the coin-aligning surface 198 and the end area 204 than isrequired to move a smaller diameter coin roll.

As represented in FIG. 13, the engagement of the coin roll 194 and thesurface 196 directs the coin roll to engage the aligning surface 198.The end area 204 extends generally parallel to the aligning surface. Asa result the coin roll passing the deflector is generally aligned withits axis parallel to surface 198 and shaft 166. The relatively largemass associated with the deflector 168 and particularly thecounterweight portion 202 absorbs kinetic energy from the moving coinroll. As a result the coin roll is slowed when it engages the deflectormember. The force associated with the weight of the coin roll 194 causesthe deflector member to move and rotate about shaft 166 a sufficientdegree to enable the coin roll to move past the deflector in the passage170. The coin roll generally moves past the deflector in engagement withthe aligning surface. As previously discussed, the larger the diameterof the coin roll the greater the force that is required to move thedeflector 168 and its associated counterweight portion 202 to enable theroll to pass downward therefrom into a holding area generally indicated177.

As shown in FIG. 14, the force associated with the weight of the coinroll eventually rotates the deflector 168 sufficiently so that the coinroll is enabled to pass downward in the passage 170. Once the coin rollpasses the deflector, it is held in the holding area 177 in supportingconnection with the door member 174 and a downward and inward extendingramp surface 206. In the described embodiment the front area 204 andcoin aligning surface 198 are generally in alignment with the trougharea generally indicated 208 where the ramp surface 206 meets the doormember 174 in the closed position. This trough area serves as an impactarea from which the surfaces bounding the holding area for the coinrolls extend generally upward in cross section. This configurationgenerally results in the dispensed coin rolls falling downward in amanner that minimizes bouncing and causes the coin rolls to stack sothat they can be readily removed from the holding area by usersaccessing the mechanism 162.

The exemplary form of the deflector member 168 is configured such thatthe counterweight portion 202 has its center of mass generally below andsomewhat disposed inward from the axis of rotation of the deflectormember 168 about shaft 166. As will be appreciated, the mass of thiscounterweight portion must be overcome by the mass of the coin rollswhich pass the deflector member between the surface 196 and the aligningsurface 198. Smaller diameter coin rolls which generally have less massthan larger diameter coin rolls, do not have to move the deflectormember as much. As a result, smaller diameter coin rolls are enabled topass the deflector member and do not become hung-up thereon. Inaddition, smaller diameter coin rolls which do not possess as muchkinetic energy when dispensed are more readily aligned by the deflector.An example of a relatively smaller diameter coin roll 210 being alignedand passed downward past the deflector member in the exemplaryembodiment of the invention is schematically represented in FIG. 15.

As shown in FIG. 16 coin rolls which have been dispensed, are held inthe holding area in supporting connection with the door member 174 andramp surface 206 in the passages 170. When the door 44 on the fasciacover unit is moved to an open position responsive to the operation ofthe terminal processor as shown in FIG. 16, the dispensed coin rolls 212are accessible through an opening to the user from the exterior of themachine. As previously discussed, these dispensed coin rolls arepreferably aligned by action of the deflectors and are segregated bydenomination in the plurality of holding areas bounded by the dividers172. A user is enabled to reach in through the opening 158 in thehousing door 160 to extract the dispensed coin rolls.

As represented in FIG. 16, the deflectors 168 are also preferablyconfigured to prevent users from reaching upward through the passages toaccess the coin-dispensing mechanism. This is achieved in the exemplaryembodiment by the second-engaging surface 200 being in close relationwith a wall of housing 164 and coin-engaging surface 196 being in closeproximity to aligning surface 198. This configuration blocks efforts tomove an instrument upward in passages 170. Similarly the counterweightportion 202 is operative to resist attacks which may be directed upwardthrough the passage portions. The configuration of the rolled coindispensers 140 with the coin outlet 152 positioned above the coin rollstorage cassettes 142 also reduces the chance of unauthorized personnelgaining access to the interior of the unit.

During the course of transactions in which coin rolls are dispensed,users will generally remove their coin rolls from the passages. If atransaction is concluded and a user has failed to take dispensed coinrolls, the presence of one or more remaining coin rolls is sensed bysensors 190. In response to sensing remaining coin rolls at the end ofthe transaction, the terminal processor is operative in accordance withits associated programming to cause mechanism 162 to retract such coinrolls into the coin retraction pocket 176 of the machine. In anexemplary embodiment the retraction is done responsive to a user failingto take the dispensed coin rolls a time after they are dispensed orafter a transaction. The terminal processor includes a timer function tocarry out the retraction of coin rolls in accordance with itsprogramming.

How coin rolls are retracted is shown schematically in FIGS. 17 and 18.In response to at least one of sensors 190 sensing a coin roll 214remaining after a transaction, drive 178 is operative to rotate shaft180 from the initial position shown in FIG. 17. It should be noted thatin this initial position, first link 184 is in an over-center positionrelative to the axis of rotation of shaft 180. In this over-centerposition link 186 is engaged with a stop 216. As a result, efforts tomove the door member downward from this position will be resisted by thestop 216. This configuration helps to prevent unauthorized persons fromgaining access to the coin retraction pocket 176.

When the coin rolls supported on the door member 174 are to beretracted, shaft 180 is rotated so that first link 184 rotates in acounterclockwise direction as shown in FIG. 17. Such movement causeslink 186 to move downward rotating door member 174 in a clockwisedirection as shown about a pivot hinge connection 218. As a result ofdoor member 174 rotating downward, coin roll 214 in the holding areafalls into the coin retraction pocket 176. The retracted coin rollremains in the retraction pocket which serves as a storage area untilauthorized personnel access the interior of the housing and remove theroll therefrom. The terminal processor then operates the drive 178 toreturn the door member 174 to the position shown in FIG. 17. If thesensors 190 continue to sense coin rolls in a position within thepassages, the terminal processor may be operative to repeat the processin accordance with its programming a number of times until either afailure status is indicated or the coin roll falls into pocket 176. Theparticular programming of the system may make several attempts to clearcoin rolls and may provide an indication of a failure if after severalattempts coin rolls are still sensed within the passages 170. As theterminal processor moves the member 174 it operates to maintain coinroll door 44 in a closed position.

Housing portion 214 includes note acceptor 48. The note acceptor 48 isschematically shown in FIG. 7. In embodiments of the note acceptor maybe of a type shown in U.S. Pat. No. 6,273,413, U.S. Pat. No. 6,109,522,U.S. Pat. No. 7,331,513 and/or U.S. Pat. No. 7,261,231 the disclosuresof which are incorporated herein by reference as if fully rewrittenherein. As shown in FIG. 7, the note acceptor of the exemplaryembodiment includes a transport 220 for moving notes accepted through anopening 222 which extends through door 160. The transport 220 isoperative to move inserted notes past sensory units 224. Sensory units224 determine the type of notes inserted and distinguish valid notesfrom invalid notes. Sensory units 224 may be of the type shown in U.S.Pat. No. 5,923,413 owned by the Assignee of the present invention andwhich is incorporated herein by reference as if fully rewritten herein.Such sensors may work in connection with a terminal processor or otherprocessors within the apparatus 10 for purposes of processing signalsfrom the units to determine the denomination and genuineness of notespassed through the transport 220. Of course, it should be understoodthat many types of devices for identifying and validating notes may beused in embodiments of the invention.

Notes determined as valid and acceptable by the sensors 224 are passedthrough further transports 226 to note storage areas 228. Each notestorage area 228 is preferably configured for holding a particular typeand/or denomination of note therein. The note validator may be operativedepending on its programming and the nature of the note acceptor toreject notes which cannot be identified or which are invalid by passingthem outward through the opening 222. Alternatively such notes may beaccepted into the mechanism and stored in a designated note storage areafor later analysis.

The notes accepted into the machine may remain in the note storage areasuntil removed therefrom by personnel accessing the interior of housingportion 14. Alternatively, embodiments may operate in the manner of theincorporated disclosures, to accept and store notes in the machine aswell as to dispense previously accepted notes in response to requests byusers. The approach taken will depend on the particular requirements andcapabilities required of the apparatus.

The described exemplary embodiment includes a movable fascia 46 onhousing portion 14. The movable fascia is operative to move outwardrelative to the access door 160 overlying the interior area of thesecond housing portion 14. This is accomplished in the describedembodiment by the mechanism shown in FIGS. 19 through 23. As shown inFIG. 23, the interior of door 160 has a boltwork generally indicated 230in supporting connection therewith. Boltwork 230 is part of a holdingmechanism for door 160 and includes a movable bolt 232, which is movablein an unlocked condition between an extended position in which the boltengages the housing to hold the door closed, and a retracted position inwhich the door 160 is enabled to be opened. The ability to move the bolt232 is controlled by a locking mechanism 234. The locking mechanism iscontrolled by a lock dial 235 similar to lock dial 70 previouslydiscussed or other suitable locking mechanism. In an unlocked conditionof the locking mechanism 234, a rotatable member 236 is enabled to berotated by rotating a handle 237 extending on the exterior of the door160. The handle may be of the type previously described or othersuitable handle for rotating the rotating member.

Movement of the bolt 232 is accomplished by the rotating member 236rotating idler members 238 and 240. The idler members are connected tothe rotating member 236 through intermediate links 242 and 244. Theidler members 238 and 240 are respectively connected to the bolt 232 byfurther links 246 and 248. The bolt is selectively movable inward andoutward in supporting connection with central slotted guides 250 andouter guides 252. Except as otherwise specifically described herein, theboltwork of the described embodiment is similar to the boltworkdisclosed in International Publication No. WO98/26380 owned by theAssignee of the present invention and which is incorporated by referenceas if fully rewritten herein.

In the exemplary embodiment, a supplemental bolt 256 is disposedadjacent to the upper end of door 160. Bolt 256 is movably mounted insupporting connection with guides 258 which are shown schematically.Supplemental bolt 256 is in operative connection through a tie rod 254with an actuating member 260. Actuating member 260 extends in a slot 262in door 160 (see FIGS. 24 and 25).

As shown in FIG. 23 supplemental bolt 256 is connected to a link 264through a rotatable idler member 266. Idler member 266 is rotatablymounted in a manner similar to members 236, 238 and 240 in supportingconnection with door 160. Idler member 266 is connected through a link268 to idler member 238. As a result of this connection, supplementalbolt 256 moves between the extended and retracted positions incoordinated relation with bolt 232. The supplemental bolt 256 acts withbolt 232 in the extended position to hold door 160 in a closed position.Likewise, in response to opening locking mechanism 234, bolt 232 as wellas supplemental bolt 256 may be retracted so that door 160 can beopened.

As can be appreciated in FIGS. 24 and 25, as supplemental bolt 256 movesfrom the extended to the retracted position, actuating member 260 movesrelative to slot 262. Actuating member 260 is a flat cam which includesa slot 275 therein. A pin member 277 is connected to a further member272. As schematically indicated in FIG. 25, the movement of pin member277 is operative to cause fascia cover unit 46 to move outward inresponse to the retraction of supplemental bolt 256. This is desirablein the described exemplary embodiment to enable door 160 to be opened.

In the described embodiment, the fascia unit 46 is configured in thelocked condition of the door 160 to fit generally in flush relationagainst the walls of the housing. To achieve this construction in theclosed position of the unit, provisions are made for the fascia 46 tomove away from the unit so that the door 160 can be opened. As shown inFIG. 19 through 21 this is achieved by mounting the fascia cover 46 tothe door 160 through an upper extension mechanism 274 and a lowerextension mechanism 276. The upper extension mechanism 274 is mounted todoor 106 through a support 278. The support 278 includes a slot 280which extends generally parallel to the face of door 160. As best shownschematically in FIG. 22, a pin 270 on member 272 extends through slot280 so that movement of the actuator member 260 causes the pin 270 tomove therein.

A further support 282 is attached to the fascia cover 46. Link 272 isattached in pivoting connection to support 282 at an end opposite ofslot 280. The connection of link 272 to support 282 is through a pin 284having an axis rotation that is fixed relative to support 282.

Link 272 is rotatably connected to a further link 286 about a centralpin 288. Link 286 is attached to support 278 through a pin 290 having afixed axis of rotation. Link 286 is attached to support 282 through pin292 which is movable in a slot 294. As best shown in FIG. 22, a biasingmember 296 acts on the upper extension mechanism in a manner tending tohold cover 46 adjacent to door 160.

The lower extension mechanism 276 generally is constructed in a mannersimilar to upper extension mechanism 274. Extension mechanism 276includes a support 298 in operative connection with door 160. A support300 is in operative connection with the movable cover 46. A link 302 isin movable connection with support 298 through a first slot 304 and isin pivoting connection with support 300 through a pin 306. A furtherlink 308 is connected to link 302 by a pin 310 and is connected tosupport 298 about a pin not shown. Link 308 is further connected tosupport 300 through a slot 312. A biasing member (not shown) isconnected to the lower extension mechanism 276 to bias the cover 46 inan inward direction.

As will best be appreciated from FIGS. 22 and 23, movement of thesupplemental bolt 256 to a retracted position moves actuating member 260inward relative to slot 262. This moves pin 277 outward relative to slot275. Such movement causes links 272 and 286 to move in a scissors actionmoving cover 46 outwardly relative to door 160. Links 302 and 308 of thelower extension mechanism 276 moves similarly further urging the fasciacover 46 outwardly to the position shown in FIG. 22. The access door isconnected through hinges 267 to the housing. When the holding mechanismis opened the fascia 46 moves outward away from the hinges and thehousing. This enables the door 160 to be opened without interferencefrom the fascia 46.

Similarly when door 160 is closed, movement of the bolt 232 and thesupplemental bolt 256 to an extended position moves the actuating member260 and link 272 to move fascia 46 inward. Thus as the boltwork on door160 is moved to a secure condition, the cover 46 is moved against theenclosure. As can be appreciated alternative forms of the fascia orother cover may extend around one or both sides and/or the top of theenclosure provided the cover moves outward sufficiently to enableopening the door.

It should be understood that in alternative embodiments the movement ofthe bolt 232 may be used to move the lower extension mechanism 276 in amanner similar to the way that the upper extension mechanism 274 ismoved by the supplemental bolt 256. In such alternative embodiments thepositive movement of the mechanisms at both ends of the fascia providefor reliable and controlled movement of the cover 46.

As shown in FIG. 19 the cover 46 includes the movable door 44 which ismoved to provide a user with access to dispensed coin rolls. Door 44 inthis exemplary embodiment has thereon projections generally indicated314. The projections 314 generally define one or more Z-shaped slots onan inner face of the door. An actuator 316 is operative to move afollower member (not shown) relative to the slot. Movement of theactuator 316 is controlled responsive to the terminal processor so thatwhen a user is authorized to receive coin rolls, the user is enabled tomove door 44 to an open position. When the user is not authorized toopen the door, the actuator 316 operates to hold the door in a closedposition. In an exemplary embodiment the door and actuator areconfigured to operate in a manner similar to that disclosed in U.S. Pat.No. 5,590,609 owned by the Assignee of the present invention and whichis incorporated by reference as if full rewritten herein. Of course, inalternative embodiments alternative types of actuator mechanisms may beused.

FIGS. 26 through 28 describe housing portion 16 which is operative toaccept bag deposits or other types of deposit items therein. Depositoryhead portion 54 includes a rotating pocket assembly 318. Rotating pocketassembly 318 serves as an item transport for deposit items and isrotatable responsive to a drive or similar moving device to rotaterelative to head portion 54. Rotating pocket assembly 318 includes afirst pocket 320 and a second pocket 322. When door 56 is moved to anopen position a user is enabled to access the interior area of thehousing and the pocket adjacent thereto through the open access opening57. After a user inserts a bag or other item to be deposited into theadjacent pocket, the rotating assembly 318 is rotated preferably in aclockwise direction as shown in FIG. 28. The deposited item istransported away from the access opening so it cannot be accessedthrough the opening by a user. The deposit item is passed by gravity outof the pocket through a throat area 324 and moves into the internalstorage area of the secure chest 62. As will be appreciated from FIG. 28the rotating assembly need only rotate one hundred eighty degrees totransfer each deposited item into the secure chest portion.

In the embodiment shown, the head portion 54 includes the exteriorcamera 58 which captures the user image. The throat area 324 furtherincludes a camera 326 therein. Camera 326 serves as an interior imagingdevice which has a field of view which includes the interior area of thehousing. In one exemplary arrangement the camera 326 is an infraredcamera which is capable of delivering images of items in near totaldarkness conditions which may exist in the internal area of the housingin the vicinity of the throat area. This feature enables capturingimages of both the user depositing items into the bag depository as wellas the items deposited. This provides further documentation of themaking of deposits. The internal imaging device and external imagingdevice may be placed in other locations in alternative embodiments. Ofcourse, in alternative embodiments other types of cameras or imagingsystems may be used. Such systems may include having lighting providedin the throat area so as to illuminate the deposited items. The imagesof the user and the deposited items are captured in the exemplary systemusing an AccuTrack™ digital video recorder playback system commerciallyavailable from Diebold, Incorporated of North Canton, Ohio or a systemof the type described in connection with U.S. Pat. No. 6,583,813, thedisclosure of which is incorporated by reference as if fully rewrittenherein. Of course, in alternative embodiments other image capturingmechanisms may be used.

In the exemplary embodiment the user image and the corresponding itemimage are stored as digitized images in a data store operativelyconnected to the imaging devices and at least one computer. The imagesare preferably stored together or in correlated relation such that theycan be recovered together to show what the deposit item looked like andthe appearance of the person who deposited it. In some exemplaryembodiments the user image and item image are stored together as asingle combined image to create a permanent correlation between the userand the deposit item.

The operation of the described exemplary embodiment in connection withconducting merchant banking transactions is explained in connection withthe screens presented in FIGS. 29 through 54. The exemplary embodimentof the invention is operative to perform deposit and exchangetransactions in the manner described responsive to inputs to the userinterface. Of course, in other embodiments additional or alternativetransactions may be performed.

In the exemplary embodiment, when the apparatus 10 is in a wait or idlestate waiting to conduct a transaction, a screen 328 which is shown inFIG. 29 is presented. The screen is produced in the exemplary embodimentresponsive to the terminal processor 74 and data in the data store 76.Screen 328 prompts the user to select either a merchant bag deposit icon330 or money exchange icon 332. This is done by the user bringing theirfinger adjacent to the touch screen. Of course, in other embodimentsother screens may be presented.

It should be understood that embodiments may operate to present othertypes of opening screens. Such screens may provide marketing informationto prospective users approaching the machine. Such marketing informationmay be provided from the information stored in the data store 76 or maybe based on presentations loaded into the apparatus 10 from a remotelocation such as marketing server 120 shown in FIG. 4.

For purposes of describing an exemplary transaction, it will initiallybe assumed that a user selects the money exchange icon 332 in FIG. 29.This causes the terminal processor to display a screen 334 shown in FIG.30. This screen prompts the user to select either an icon 336 indicatingthat they intend to use a bank card when conducting the money exchangetransaction or alternatively an icon 338 in which a money exchangetransaction is conducted without the use of a bank card. For purposes ofthis exemplary transaction it will be presumed that the user selectsicon 338 which is an input through which they indicate that they are notgoing to use a card.

In response to the user selection in FIG. 30, a screen 340 shown in FIG.31 is caused to be displayed by the terminal processor on the touchscreen 20. Screen 340 advises a user in this exemplary transaction thata $2 fee will be charged as a service charge amount and that the maximumamount that can be exchanged is $750. Of course, these thresholds aresettable by the owner of the apparatus through programming of theterminal processor. In screen 340 the user is given the option ofselecting icon 342 if they wish to discontinue the transaction. The useris also presented with the option of selecting icon 344 if they wish tocontinue. If the user selects icon 342 indicating that they wish to stopthe transaction, the terminal processor responds to this input bydisplaying screen 346 shown in FIG. 32. Screen 346 indicates that thetransaction has been canceled, and after a period of time the terminalprocessor returns the logic flow relative to the initial screen 328 orother appropriate screen.

If the user elects to continue the transaction by touching icon 344 fromscreen 340, a screen 348 shown in FIG. 33 is displayed on the touchscreen. In screen 348 the user is allowed to select the quantities ofvarious bill types and roll coins that they wish to receive from theapparatus 10. Each denomination of bills and coins is associated with arespective icon which the user can touch to input the quantity of thoseparticular items the user wishes to receive. In the exemplary embodimentthe user can input the bill and coin types in any sequence selected bythe user. For purposes of this exemplary transaction, it will bepresumed that the user touches an icon 350 which corresponds to tendollar bills.

In response to the user touching icon 350 the terminal processor causesa screen 352 shown in FIG. 34 to be displayed. Screen 352 prompts a userto indicate the number or quantity of ten dollar bills they wish toreceive. In response the user indicates the number of ten dollar billsby touching keys on the keypad 26. This number is displayed in a box 354on the screen 352. If the user correctly inputs the number of ten dollarbills they desire, they can press the icon 356 to indicate they aredone. The terminal processor returns to screen 348 shown in FIG. 33 withthe number of ten dollar bills requested shown next to icon 350. If,however, from screen 352 the user decides that they have input anincorrect number of ten dollar bills, they can touch icon 358 and inputa different number through the keypad. If the user decides that they donot want ten dollar bills, they can touch the icon 360 to indicate thatthey wish to cancel the request for ten dollar bills and return to thescreen 348.

Once the user has input the amount of ten dollar bills they wish toreceive, the user may repeat the process for each of the denominationsof bills or coin rolls that they wish to receive. Each time an iconcorresponding to a different denomination of bills or coins is selected,the user is enabled to input the quantity through a screen similar toscreen 352. Through this entry of successive type and quantity inputsthe user selects what they wish to receive. In the exemplary embodimentthe terminal processor is operative to calculate the value associatedwith each quantity of each respective coin roll or bill type requestedby the user. These amounts are included in a total amount which alongwith the service charge amount, is displayed to the user through thescreen 348. The computer operates to update the total amount displayedby including the amount associated with each selection by the user of aquantity of coin rolls or bill types.

When the user has completed the process of indicating the bills and coinrolls they wish to receive, they may touch the “done” icon 362 in screen348. If, however, the user has made a mistake and/or wishes to startover, they may touch a “clear” icon 364 in screen 348 which clears thescreen to indicate zero quantities next to all denominations. Likewiseif the user wishes to cancel the money exchange transaction, they maytouch a cancel icon 366.

For purposes of the exemplary transaction, it will be presumed that theuser requests a total of $748 in bills and coins, which with the $2transaction fee produces a total change amount of $750. When the userpresses the “done” icon 362 from screen 348 a screen 368 shown in FIG.35 is caused to be displayed on the touch screen. Screen 368 includes agraphic representation of the apparatus 10 with an arrow indicating tothe user where to insert their bills into the machine. This arrow pointsto a graphic representation of the opening to the bill acceptor on thesecond housing portion. The user then inserts currency notes. The “totalamount accepted” quantity shown in screen 368 is incremented upwardseach time the user inserts notes that are identified and accepted by thenote accepting mechanism.

If the user inserts notes that are not identifiable or acceptable by thenote accepting mechanism, such notes are returned to the user who maytry to reinsert them again or may try other notes. The user may inputnotes equaling the total change amount or may input a somewhat greateror a lesser amount. If in the process of inserting the notes the user isslower than a time which is programmed in the data store associated withthe terminal processor, a screen 370 shown in FIG. 36 may be displayed.Screen 370 includes icons which can be touched to indicate that the userneeds more time or that the user is not requesting additional time.

When the user has inserted the funds that they intend to insert into thenote acceptor in response to screen 368, the user touches the “done”icon 372. In response to touching the icon 372, the terminal processoroperates the note dispensing mechanism and the coin dispensing mechanismto dispense the quantities and types of bills and coin rolls that theuser has requested. In the described embodiment the requested bills areoutput through the opening from the note dispenser 30 in the firsthousing portion 12. The coin rolls are dispensed into the coin mechanism162 and the user is enabled to slide open the door 44 to remove suchcoins. The terminal processor 74 may further output screen prompts forthe user to take the dispensed bills and rolls. This may include screenswith graphics similar to those in screen 68 which show the apparatusalong with indicating arrows showing the user where to remove the billsand/or how to open the door to access the coin rolls. Such graphicalpresentations are helpful to a user who may be unfamiliar with theoperation of the machine. Alternatively, other approaches such asflashing indicators in the area of the coin roll door or note dispensermay be used.

In some circumstances a user will not be able to insert the exact amountof cash that is required to produce the change and service charge. Iffrom screen 368 the user touches the icon 372 when the total amountaccepted is above the total change amount, the terminal processor isoperative to dispense to the user all of the change requested as well aschange in the form of additional bills (and/or coin) corresponding tothe excess amount that the user has input. In this way the user isenabled to insert the amount they have and receive change from themachine. If the user indicates that they are “done” by pressing the iconprior to having input the amount they requested, the terminal processorwill satisfy as much of the request as the user has provided funds toaccomplish. This will be done in accordance with the programming of theterminal processor. In the exemplary embodiment the terminal processoris operative to satisfy the dispensing requests by dispensing itemsuntil any further dispense would be in excess of the credit the user hason the machine. The user's credit in this situation is the amount theuser has input less the service charge. In the case of a card baseddispense which is done in response to messages from a host computer, themaximum credit may be set by the institution and the limit may be thismaximum less the service charge amount.

In exemplary embodiments the apparatus operates to satisfy thecustomer's requests in a sequence. The sequence may consist of actuallydispensing the items in an order or allocating the customer's availablecredit to certain of the items requested prior to making the dispense.The sequence is generally established in a predetermined manner based onthe programming of the terminal processor.

In some exemplary embodiments the terminal processor is programmed sothe sequence causes the terminal processor to be operative to satisfythe requests for the lowest denominations first until the money is usedup. Thus, for example, the terminal processor will operate in accordancewith its programming to first fulfill the user's request for pennyrolls, then one dollar bills, then nickel rolls, then five dollar bills,then dime rolls, then ten dollar bills, then quarter rolls, and thentwenty dollar bills. If the amount of money cannot satisfy the requestfor one denomination of coin or currency, the terminal processor willdispense as many of the requested denomination as the user has providedvalue for and then will dispense appropriate change. Alternativeembodiments of the invention may be programmed to provide either thecoin first then the notes or vice versa. The sequence may be lowest tohighest denomination or other order.

Other alternative embodiments may be programmed to deliver partialrequests in the order that the user input them. For example, if the userrequested ten dollar bills first in the input of the request, all of theten dollar bills that the user requested will be dispensed (assumingthat the user has input sufficient money to cover the requested tendollar bills). Then the next item input will be dispensed until thevalue input has been used up. In this way the user is enabled to receivethe full value in change of the amount of funds they input. In addition,if the user still requires additional funds, such funds may be obtainedby either accessing a source of monetary value associated with a card ina manner later discussed or by reinserting dispensed bills and byobtaining change therefore.

In response to the completion of the dispensing transaction, theterminal processor of the exemplary embodiment causes a screen 274 shownin FIG. 37 to be displayed on the touch screen. Screen 374 prompts theuser to select one of four icons 376 indicating the number of receiptcopies that they wish to receive. Often a user will prefer to receiveseveral copies of the receipt for the transaction. Multiple copies ofthe receipt may be used to help verify that the deposit has been made.For example, a user may deliver one copy to their employer and retainone copy for their records to evidence the fact that the deposit wasmade. Likewise, multiple copies may be provided so one may be kept bythe employee making the deposit, the store manager, the accountant andby other persons who may need to be notified of the transaction.

In addition or in the alternative, embodiments may provide for printingmachine readable indicia instead of or in addition to human readableindicia on one or more copies of the receipt. As previously discussed insome embodiments the receipt may be provided electronically by the inputof data to a portable module. The machine readable indicia mayfacilitate accounting and tracking deposits made into the machine. Thereceipt will generally include amount data and other data pertinent tothe transaction. Some users may wish to not have a receipt printed andin screen 374 a user is enabled to avoid having a receipt printed bytouching an icon 378.

In response to a user touching one of icons 376 a receipt providingmechanism within the apparatus provides the requested number of receiptcopies. This is preferably done with the printer 24 in the deviceprinting the requested number of copies. The copies are passed outwardthrough an opening in the first housing portion to the user of themachine. The terminal processor then causes a screen 380 shown in FIG.38 to be displayed. Screen 348 prompts a user to take the receiptcopies. Appropriate sensors are provided for sensing that a user hasremoved the receipt copies from the opening of the first housingportion. In response to sensing that the user has taken the receipts,the terminal processor of the exemplary embodiment is operative to causea screen 382 to be displayed on the touch screen. Screen 382 prompts auser to indicate by touching either a “yes” icon or a “no” icon toindicate whether they would like to conduct another transaction. If theuser touches the “no” icon, the terminal processor of the exemplaryembodiment causes a screen 384 shown in FIG. 40 to be displayed.

If from screen 382 the user touches the “yes” icon, the terminalprocessor returns in the logic flow to cause screen 328 to be presentedon the touch screen. From the screen 328 the user may select either ofthe icons presented therein. For example, the user may select icon 330if they wish to deposit a bag of cash, checks, credit slips or othermaterials. If such icon is selected the terminal processor will executethe logic that will be later described in detail. If the user selectsicon 332 the terminal processor will cause screen 334 to be presentedagain.

While the user could conduct a similar transaction to the one justdescribed by touching icon 338, for purposes of the exemplarytransaction it will be presumed that the user touches icon 336 toindicate that they wish to conduct a money exchange transaction using abank card. Such a transaction will enable a user to receive notes orcoin and charge them to an account such as a debit card account orcredit card account. In alternative embodiments the user may also chargetransaction amounts to other sources of monetary value such as otheraccounts which may be accessed through a network or a source of monetaryvalue which is represented by data on the card, such as data stored on asmart card.

In response to the user selecting icon 336 in screen 334, the terminalprocessor causes a screen 386 shown in FIG. 41 to be presented. Screen386 includes a graphic prompting a user to provide an input throughinsertion of their card into the card reader. As the card is inserteddata encoded on the card is read. Screen 386 also includes an icon whicha user may touch to cancel a transaction and to return to screen 328. Inresponse to a user inserting a card into the card reader in response toscreen 386, the terminal processor causes a screen 390 shown in FIG. 42to be displayed. Screen 390 prompts a user to further provide a userinput by entering their personal identification number (PIN) associatedwith their card. The user may enter their personal identification numberthrough the keypad 26. On completing entry of the user input of thepersonal identification number, the user may touch an icon 392. If theuser makes a mistake in the entry of their personal identificationnumber, they can start over by touching an icon 394.

After the user has input their personal identification number, theterminal processor causes screen 340 to be displayed. If the usertouches icon 344 in screen 340, screen 348 is displayed. The user isthen enabled to select the quantity and denomination of coins and billsthat they wish to receive in a manner similar to that discussed inconnection with screen 352 shown in FIG. 34. In the exemplary embodimentthe total of the amounts associated with each successive entry isdisplayed to the user. After the user has input the values of bills andcoins that they wish to receive, they touch icon 362. Of course, iferrors are made or the user wishes to cancel the transaction, theappropriate icons may be touched. In response to the user indicating thecompletion of the inputs in screen 348, the terminal processor isoperative to generate a request message to the source of monetary valuecorresponding to the indicia encoded on the card input by the user. Suchcommunication may be, for example, through exchange of Diebold 91Xfinancial transaction messages developed by Diebold, Incorporated, witha network processor. Alternatively, other forms of messages may be used.

In the exemplary transaction a source of monetary value which is usuallya bank receives the request message from the apparatus 10. A hostcomputer associated with the source of monetary value is operative tocompare the inputs by the user of the data encoded on the card and thePIN for a corresponding relationship to stored data for authorized usersof accounts. If the user input data corresponds to an account and anauthorized user thereof the transaction proceeds. A host computeroperated by the bank determines if the account associated with theindicia on the user's card contains the amount of funds that the userhas requested to be debited to provide change, or if the user has creditavailable in the amount of funds that the user has requested. If so, thebank returns a response message through the network to the terminalprocessor in the apparatus 10. The response message includes indiciaindicative of whether the user is to be granted a credit amount and/orthe transaction should be allowed to proceed. If so, the apparatus 10 isoperated by the terminal processor to dispense the requested quantitiesof coins and bills. If not, the terminal processor is operative togenerate an output on the touch screen advising the user that thetransaction could not be conducted. Alternatively the user may beprovided with the items requested to the extent of their limit less thetransaction fee.

If the transaction is carried forward, the user is again presented withscreen 374 in which they are requested to indicate the number ofreceipts that they wish to receive. In response to indicating the numberof receipts, the user is presented with the number of receipts they haverequested, and the terminal processor operates in the manner previouslydiscussed to complete the transactions. In addition, in the exemplaryembodiment, the terminal processor is operative to forward to the bank acompletion message indicating that the transaction was properlycompleted.

An exemplary embodiment of a receipt provided by apparatus 10 at theconclusion of the money exchange transaction is shown in FIG. 44. Thisexemplary receipt 396 provides a record of the transaction including thequantities of bills and coin requested and the quantities actuallydispensed along with amount data. Other information including the timeand date, terminal number, service charge and other information is alsoshown. This provides the user with information concerning thetransaction. Corresponding information concerning the transaction isalso stored in the terminal to provide a record of amounts accepted anddispensed as well as charges against user accounts. Of course,corresponding information may be stored at the host, in other datastores and computers in the network to which the apparatus 10 isconnected.

A useful aspect of the exemplary embodiment is that the programmingassociated with the terminal processor 74 is operative to generatetransaction messages which include indicia representative ofdenominations and quantities of bills and coin rolls dispensed to auser. Prior art systems have been operative to indicate only themonetary value to be charged or debited to a user's account. Suchsystems have not provided information representative of the particulardenomination, type and quantity of items dispensed which make up thetotal amount of funds transferred.

In automated teller machine transaction systems commonly in use today,the messages exchanged between ATM terminals and host computers havepredefined message formats. A common type among these formats areDiebold 91X formats developed by the Assignee of the present invention.The Diebold 91X formats, like other formats, includes a request messagewhich is produced by the terminal which indicates among other things thetype of transaction that the customer has requested, the total amount ofvalue involved (if any), and the customer's account and PIN number. Inaddition, other transaction data may be included depending on thespecific terminal or other circumstances involved.

In response to the request message, the host computer is operative tosend back to the ATM a response message. A response message is operativeto provide an indication of whether the transaction is authorized andthe other account or balance information that responds to thetransaction the user has requested. In response to carrying out theactivity requested by the customer and authorized by the responsemessage, the ATM terminal provides a completion message. The completionmessage indicates to the host computer the successful or unsuccessfulcarrying out of the transaction. If the transaction could not be carriedout, the completion message may include an error message associated withthe particular malfunction.

Exemplary forms of the messages used in connection with the exemplaryembodiment unlike conventional messages, include in at least one of suchmessages, type and quantity data for the items dispensed. Such type andquantity data may be included for each denomination of coin roll andbill type that the apparatus 10 is capable of dispensing. Suchinformation may be included in the request message to indicate what theuser wishes to have dispensed, as well as the total value to be chargedto the user's account. Likewise, data representative of such items andquantities may be included in the response message to indicate to theapparatus 10 what is to be dispensed. Finally, the completion messagemay also indicate to the host the items and quantities that wereactually able to be dispensed. In some embodiments, less than all themessages transmitted may include such quantity information. For example,only the request or the completion message sent to the host may includedata representative of what is dispensed from the machine. Suchinformation enables the operator of the machine to track what has beendispensed.

Alternative embodiments may include other approaches to dispensingrequested items to a user. For example in systems where transaction feesvary between different categories of users or transaction types, thecomputer at the apparatus or the remote host computer may calculate theparticular service charge amount for the particular user. The servicecharge amount may be based on various factors including the types andquantities of items the user wishes to have dispensed. The charge may bebased on other factors such as the balance in the account, the type ofaccount or the institution holding the account from which the creditamount applied to dispensing the items is obtained. In such embodimentsthe host calculates the service charge amount and includes it in amessage from the host to the apparatus.

The apparatus preferably outputs the service charge amount on a displayto a screen to the customer. The screen includes a prompt requestingthat the customer provide an input through an input device concerningwhether they agree to pay the service charge amount. If the customerprovides an input indicating they accept the service charge amount thetransaction is carried forward. If the customer provides an inputindicating that they do not accept the service charge, or they fail toprovide an input before a machine time out, the transaction does notproceed.

In the exemplary embodiment which uses the approach of using a threemessage set to communicate with a host for a transaction, two sets ofmessages may be used. In this exemplary embodiment a first requestmessage is sent to the host. This first request message includes datacorresponding to the card or account number, customer PIN and other dataas may be necessary to identify the account or user, and to determine ifthe transaction is authorized. The first request message furtherpreferably includes data representative of the transaction(s) the useris requesting which enables calculation of the service charge associatedwith the requested transaction.

The host or a connected computer verifies the card and calculates theservice charge in response to the requested transaction type, accountdata and other parameters in accordance with its programming. The hostthen sends a response message which includes data representative of theservice charge to the apparatus. Responsive to the service charge datathe apparatus operates to display the service charge to the customer anda prompt to have the user indicate through an input whether they wish toaccept the fee. The first response message may also contain datarepresentative of the limits on available credit for the transactionand/or information on coin or bill denominations that can be dispensedto the user. This information may also be displayed on screens to theuser. The apparatus sends a first completion message indicative that theservice charge is being displayed and/or that the terminal is ready.

Responsive to the user providing the input indicating that the servicecharge is accepted by the user, a second request message is sent to thehost. The second request message includes data indicative that the userhas accepted the service charge. This may include the service charge oralternatively other data to carry out transactions which indicate theassessment of a service charge to the user.

In response to this second request message the host builds a secondresponse message. The second response message indicates to the apparatushow to proceed with the transaction. The second response message mayalso include one or more instructions to carry out the transactionactivities and to run the transaction devices in response totransactions requested by the user. The apparatus responsive to carryingout the operations in accordance with the second response message sendsa second completion message to the host. Of course if a malfunction hasoccurred an appropriate status message will be generated or appropriatedata will be sent in the completion message to the host.

An advantage of this exemplary approach is that it enables the use ofthese message transactions sets for which many ATM systems are alreadyprogrammed. It also enables individual calculation and acceptance oftransaction fees by users. It further provides for responding to requestmessages with responses more quickly and facilitates asynchronoustransaction processing. Such features may find applicability inconnection with merchant banking devices as well as with consumeroperated ATM machines.

In the exemplary embodiment the information about dispenseddenominations and quantities sent to the host or other connectedcomputers is useful in determining when the various supplies of coinrolls and currency notes require replenishment. This information may bevery accurately tracked if the operator of the machine requires allusers to submit a merchant access card as a requirement to conductingtransactions. In this way deposits to the note acceptor can be treatedas deposits to the user's account, even though such deposits are goingto be followed by immediate withdrawals represented by the dispensing ofcurrency bills and coin rolls. Such activities present the advantagethat all of the transactions for a particular merchant can be recorded,even those involving cash. Thus the merchant is enabled to track alltransaction activity including currency exchange transactions.

Alternative embodiments may provide for sending messages correspondingto the dispense of notes or coin to locations in the network 116 otherthan the source of monetary value that is authorized to grant a userauthorization to conduct a transaction. For example, messages indicativeof the dispense of, coin rolls or currency, may be sent to serversassociated with persons responsible for tracking the levels of variousbills and coin rolls within the apparatus. Such messages may be receivedand appropriate calculations made as to when replenishment of such itemsmay be required in various machines. Such information may be helpful,for example, in determining the amount and types of rolled coin to wrap,order or otherwise procure from another source. Such information mayalso be used in calculating pick up and delivery routes between variousmerchant banking apparatus that require such replenishment.Alternatively sensors can be used to sense levels of rolled coin typesand bill types in storage. Upon the sensor reaching the set level amessage may be selectively dispatched to the appropriate roll coinreplenisher or bill replenisher. Such messages may be sent throughvarious messaging systems including through the Internet and at varioustimes or in response to sensing various levels. Of course, otherapproaches may be used depending on the nature of the system in whichthe apparatus 10 is operated.

As previously discussed, merchants operating the apparatus 10 are alsoenabled to make other types of deposits. For example, embodiments mayenable the user to conduct money exchange transactions in response tothe input of checks or instruments other than currency notes. This maybe accomplished through the programming associated with the terminalprocessor 74 providing the user with additional screens and options toinsert deposited items through the depository 32. Such deposited itemsmay include, for example, instruments such as checks, which can be readby a check processing and imaging device and immediately credited touser's account. Alternatively, trusted merchants may be granted theauthority to input instruments to a depository through envelope deposits(or even bag deposits as later described) and to have their accountcredited for the deposited amount. Other deposited items such asvouchers, credit slips, or other items may also be accepted through thedepository 34 and credited immediately.

Alternative arrangements may have the terminal processor programmed toprovide a user with the option to have deposited items credited to theiraccount or alternatively to have change dispensed in the form of billsor coin rolls. Such options may be particularly appropriate insituations where the machine includes mechanisms which both accept,identify, store and redispense currency such as shown in the disclosuresof U.S. Pat. Nos. 6,331,000; 6,273,413; 6,109,522; 7,331,513 and/or7,261,236 which are incorporated by reference in their entirety. Otheralternative transactions may be conducted with the apparatus 10 based onthe preferences of the operator of the apparatus through appropriateprogramming of the terminal processor 74.

Another type of merchant banking transaction that is accomplished usingthe exemplary embodiment is a bag deposit. For purposes of thisdisclosure any suitable container for deposits which include varioustypes of items will be considered a bag. The user of the machine mayselect the bag deposit option by providing an input by selecting icon330 in screen 328. In response to the selection of icon 330, theterminal processor is operative to cause a screen 398 shown in FIG. 45to be displayed on the touch screen. Screen 398 prompts the user toenter an identifying input which input includes data representative of adeposit item, a user, an entity with which the user is associated or allof these. In the exemplary embodiment the user is prompted to input adepository bag identification number through the keypad 26. When theuser has properly entered their identification number, they can soindicate by touching an icon 400. If a user makes an error and needs tore-enter their identification number, they may do so by touching an icon402.

If in the course of entering the depository bag ID number or at othertimes a user takes too long to complete the transaction, screen 370shown in FIG. 36 will be displayed. If the user delays beyond thepredetermined time in taking any action, the transaction will beautomatically canceled by the terminal processor and the screen 404shown in FIG. 43 displayed. In addition, it should be understood thatprior to the terminal processor displaying the screen 398, the terminalprocessor may be programmed to require the user to input a card and/orPIN to identify the user and their account. The input bag identificationor other identification indicia input by the user through the inputdevice may be compared to data in a data store to determine if there isa correlation between input data and the stored data. The correlation tostored data identifies one or more of the deposit, user, merchant orother entity with which the deposit is associated. The existence of thecorrelation may also be used to determine that the deposit transactionis authorized. The comparison of input data for a correlation to storeddata may be made at the apparatus using data stored in a memory at theapparatus, or the comparison may be made to data stored at a remote hostcomputer. Alternatively, the user may be identified based on inputs toother input devices such as encoded card data read by a card readerand/or an input PIN number input through a keypad. Such input data maybe used to identify and determine the authority of the user. This may bedone by comparing at least portions of the input data to at leastportions of stored data for the existence of a correspondingrelationship. The transaction is authorized responsive to thecorresponding relationship being found. In systems which authorizetransactions based on card and/or PIN data, a corresponding relationshipfor a deposit bag identification number to stored data may notnecessarily be required. Various approaches to providing authority tomake a deposit may be used and implemented through programming of theterminal processor.

Once the user has identified themselves, the deposit, the merchantaccount or appropriate identification as determined by the programmingof the terminal either input by the bag number, input of a card and/orPIN, other data, or a combination of inputs, the terminal processor isoperative to cause a screen 406 shown in FIG. 46 to be displayed. Screen406 prompts the user to enter an amount of cash included among the itemsdeposited in the bag deposit. The user is enabled to do this throughinputs to the keypad 26. If the user makes a mistake they can clear thetotal by pressing an icon 408. If the deposit consists of only cash andthere are no checks or credit slips included, the user can indicate thisby touching the icon 410 to indicate that they are done. The user cancancel the deposit transaction by touching an icon 412. Typically, oncethe user has entered the total amount of cash, they can indicate theamount of other items that is included in the deposit by touching anicon 414.

In response to touching icon 414 from screen 406, the terminal processorcauses a screen 416 shown in FIG. 47 to be displayed on the touchscreen. Screen 416 prompts the user to indicate an amount indicatingvalue of checks included in the bag deposit. Screen 416 includes all ofthe icons from screen 406 and in addition includes an icon 418. Touchingicon 418 enables the user to return to modify a previously input totalsuch as the amount of cash included in the deposit. Once the user hasinput the total amount of checks included in the deposit through thekeypad 26, the user may touch the “next total” icon 414 to input anamount of credit slips included in the deposit. Alternatively, if thedeposit to be made includes only checks and cash, the user may soindicate by touching icon 410.

In response to touching icon 414 in screen 416, the terminal processorcauses a screen 420 shown in FIG. 48 to be displayed. Screen 420 promptsthe user to input a total amount of value in credit slips included inthe bag deposit. Credit slips may include, for example, charge cardrecords that the user has received from customers. Such credit slips maybe included when a merchant processes credit card transactions on paperrather than electronically. Alternatively, in other embodiments, otherforms of credit or charge slips may be used. The user may enter thevalue of the credit slips included through the keypad 26. The user maycorrect inputs by touching the icon 408. In addition, prior totals maybe corrected by touching icon 418. If, however, the user has correctlyinput all of the values for cash, checks and credit slips, the usertouches icon 410.

In response to the user touching icon 410, the terminal processor isoperative to cause a screen 422 shown in FIG. 49 to be displayed. Screen422 includes a graphical representation of the apparatus 10 with anarrow indicating that the user should open the bag depository door 56 inorder to place the bag deposit within the head portion in the interiorarea of the bag depository. In some embodiments the computer may cause alock to unlock enabling opening a door to the interior of the housing.If when the terminal processor presents the screen 422, a userdetermines that they wish to cancel the transaction, they may do so byselecting a “cancel” icon in the screen. In addition, if a key isrequired to open the depository door screens may be presented to promptthe user to use their key to activate lock 60.

In response to sensing with a sensor that the user has opened the bagdepository door 56 or that the terminal processor has displayed screen422, or in response to other suitable sensing means, the terminalprocessor is operative to capture user image data from cameras 58 on theexterior of the housing portion 16 as well as an item image of thedeposit item from camera 326 located in the interior area of the bagdepository. Alternatively, terminal processor 14 may capture images fromthe cameras in response to sensing the insertion of the bag depositthrough the depository door or in response to movement of the rotatingmechanism 318 within the depository head. Such images may be capturedconcurrently or at times during the transaction steps which are timed tocapture images of the user and the item the user has deposited.

Preferably the terminal processor is operative to capture images fromthe camera 58 and the camera 326 which show both the user and the itemsthey have deposited. In one arrangement the terminal processor isoperative to display on the touch screen display images corresponding tothe images and data captured during the bag deposit transaction. In theexemplary embodiment, the terminal processor is operative to generate ascreen 424 shown in FIG. 50. Screen 424 includes the user image and thedeposited item, data representative of which are captured by a computerassociated with the deposit accepting device and stored in memory incorrelated relation or otherwise associated. Likewise, screen 424 in theexemplary embodiment includes data corresponding to the deposit such asthe bag ID amount data as well as date and time information. The timeinformation is preferably determined and caused to be displayedresponsive to a clock device which tracks the current time (includingdate) at the deposit accepting device. The clock device is preferablyoperative in the terminal processor or other operatively connectedcomputer. The time data is determined by the computer responsive tosignals which correspond to execution of one of the process stepsassociated with the transaction. This may include for example thecurrent time when the user image and deposit item image are captured.Alternatively, it may be the current time when the deposit item is fullysecured in the interior area away from the user, or other time duringthe conduct of the transaction.

In the exemplary embodiment the computer operates the display to displaythe user image and the deposit item image to the user simultaneously.This provides the user with assurance that the deposit accepting devicehas recorded the fact that they made the deposit. In some exemplaryembodiments the image of the user and the deposit item are captured aspart of a single combined image. This may be done in analog systemsthrough use of a frame splitter type device which records both imagesside by side in a storage medium. In digital systems this isaccomplished by programming to layout the images within the image framein selected areas so as not to interfere with the integrity of eachimage. Each associated image or the combined image may include certainof the transaction data such as time, amount, bag identification, useridentification, merchant identification or other data such as a uniquetransaction number. Each associated image or a combined image of theuser and deposit item may include a watermark of a visible or generallynot visible type to provide greater assurance of the integrity of theimage. Such a watermark may be imposed by the programming of the depositaccepting machine and/or may be variable with one or more of the valuesor information items associated with the particular transaction.

The image data corresponding to the user and the bag deposit in theexemplary embodiment is stored in a memory operatively connected to oneor more computers in the machine. Such data may be stored in digitalfile formats (in a compressed or uncompressed forms) as well as inanalog formats and/or on tape. The storage of image and/or transactiondata may be accomplished under the control of the terminal processor 74or other connected computers operating in connection the machine tocapture and store such data. In addition or in the alternative, suchcaptured image and/or transaction data may also be accessed through aserver operating on the apparatus 10, through the network 116 anddelivered to other servers in the network. As previously mentioned, theability to remotely access image data from a remote computer enablesmerchants to verify the making of such deposits as well as the item thatis deposited. In addition or in the alternative, bag deposits whichemploy tamper-indicating seals or the like may be employed to indicatethat a bag has been deposited with such a seal in place. If, forexample, at a later date when the bag is opened, a broken tamper seal isuncovered, image data may be accessed to provide an indication if suchtamper-indicating seal was installed and its condition at the time ofdeposit. Other security procedures may be used which may be useful intracking the source of shortages or losses which occur with respect todeposited items.

In other embodiments contact or noncontact type identifying indicia,such as bar code, “Dallas” chips, inductance type tokens, RFID tags,holograms and other programmable or nonprogrammable indicia may beincluded on deposited items. Such indicia may be read by appropriatereading devices on (including inside) the deposit accepting device toaid in tracking the deposits. For example such indicia may includeindicia corresponding to one or more of the deposit bag ID, the usermaking the deposit, the merchant, the amounts of various types of itemsin the deposit or other information. This information may be read by anappropriate reading device or devices on or inside the deposit acceptingmachine. Thus, a deposit accepting machine can receive depositor inputvia remote communication through at least one input device (e.g.,reading device) that is in operative connection with the machine, wherethe input includes data associated with at least one deposit item. Theuse of such indicia and readers can shorten the time a user spends atthe machine. For example in such cases at least some and perhaps alluser inputs for the transaction would be provided from the indicia onthe deposit item. In some cases where the indicia is programmable, themedia for the indicia can be cleared by the deposit receivinginstitution after the deposit is verified so the deposit carrier such asa bag may be reused. Alternatively, the indicia may be input by a userthrough a handheld or portable device such as a phone, whichcommunicates with the deposit accepting machine through a contact ornoncontact connection. In such situations the handheld or portabledevice may be preprogrammed by the person making the deposit or byothers, with the necessary data. This enables the user to quickly inputto the deposit accepting device data that may be needed or desired. Itshould be understood that deposit items may have various forms andindicia carrying capabilities in various embodiments.

Furthermore, in other arrangements to communicate information concerninga deposit, an indicator member such as a noncontact transponder may beused. With noncontact (i.e., remote) communication, the communicationdoes not have to be based on physical contact. A noncontact identifyingarrangement may include the use of radio frequency (e.g., radio waves)or microwaves. For example, radio frequency (RF) type readers and/or RFtransmitters can be used. Thus, a depositor can input data associatedwith a deposit item to a deposit accepting machine via radio frequencydata communication. The RF noncontact communication can be wireless. Thedepositor can input the deposit information while being disposed orspaced from the machine. The input can be received by the machine whilethe depositor and the deposit data source are in noncontact relationshipwith the machine. That is, the input can be remotely transmitted to themachine (or an input receiver thereof) without the need to physicallycontact the machine. An exemplary form enables a depositor to make a(data) input-free automatic deposit to a depository. That is, no inputis required by the depositor other than the input of the items to bedeposited into the machine.

Information and identification (ID) associated with a deposit can beinput into a deposit accepting machine in a noncontact manner by usingremote communication via use of one or more radio frequency devices. Thesystem can comprise an RFID (Radio Frequency Identification). In anexemplary embodiment an RFID tag (or label or indicator or device ormember) can be used to input deposit identifying data. An RFID tag mayalso be referred to as a “smart label.” The structure of an RFID tag andits usages are well known, such as in product manufacturing.

An RFID tag can be used to store and transmit data indicative orreflective of information associated with a financial deposit. Forexample, an RFID tag can be used to store readable data pertaining towhat is being deposited and by whom. Data communication can remotelyoccur between an RFID tag and a deposit accepting machine via an RFIDtag reader device. The reader device can interrogate an RFID tag toobtain information therefrom. RFID reader devices or readers may also bereferred to as “interrogators.”

The features discussed herein relating to RFID technology findapplicability in connection with deposit accepting machines, such as anautomated merchant banking apparatus. Machines such as ATMs which acceptdeposits are likewise applicable. Furthermore, a deposit acceptingmachine may be a recycling type of banking machine. In a recyclermachine certain deposits into the machine (such as cash in a currencydeposit transaction) may be later dispensed from the machine (such as ina cash withdrawal transaction). The recycler machine is operative todispense deposited currency. Thus, deposited items such as cash may bereused or recycled.

RFID tags comprise data bearing records. The structure and operation ofRFID tags and RFID readers are well known. The RFID tags discussedherein may be made or produced in any known manner. The RFID tags andRFID readers discussed herein may have RFID Industry Standards developedby ANSI (American National Standards Institute) or the InternationalStandards Organization (ISO) or other standard developing organizations.

As is well known, an RFID tag may include any of an integrated circuit,power source, memory, circuit card assembly, transmitter, receiver, andantenna. In an exemplary form of the invention any suitable power sourcemay be employed. An RFID device may have a power source that is active(e.g., a battery) and/or passive (e.g., a magnetically coupled device).An RFID device can be of a type that does not need its own power source(e.g., battery), but lives on provided RF energy. For example, the powersource can comprise a magnetic coil that receives power through magneticcoupling with a reader device, as is well known. That is, the RFIDdevice can have a transponder that receives power and transmits by usingmagnetic coupling. The RF energy may be provided by a reader deviceand/or by a separate machine component. RFID tags may operate on thebackscatter principle. For example, an RFID device can comprise abackscatter modulator.

An appropriate reading device or devices (e.g., RFID tag reader) can bein operative connection with the deposit accepting machine. For example,the reading device may be on or inside the machine. A machine maycomprise the reader device. A reading device may be separate orindependent from a machine. A reading device may be mounted exterior ofbut adjacent to a machine. A reading device can communicate with amachine through a known communication format. For example, a readerdevice may be connected or linked to a machine through wires or cables.An RFID reader can be operatively connected to a machine computer orcontroller. The machine computer or controller can operate to controlthe RFID reader.

Alternatively, the communication between a reader device and a machinemay be wireless. A reader may be connected to a host computer externalof the machine, such as a host computer of a banking network of whichthe machine belongs. The communication path between a reader and a hostcomputer may also include the Internet. A controller in operativeconnection with the machine (e.g., the controller may be in and/or outof the machine) can operate to control the RFID reader. For example, themachine controller may communicate with the reader via the Internet. Thereader may be instructed or operated by the controller to read the tagdata and transmit the data to the host computer or to the controller.

As is well known, an RFID reader may include any of a CPU, memory,controller, and antenna. In an exemplary form of the invention anysuitable power source may be employed.

An RFID tag can be loaded or programmed with deposit information. Theinformation can correspond to one or more of a deposit bag ID; anaccount number; a user making the deposit; a merchant, a merchant ID; adepositor ID; names; the respective amounts and types of various itemsinvolved in the deposit; PIN; dates; times; machine ID; primary bank;affiliated banks; passwords; authentication codes; preferences (e.g.,screen display; marketing); customer profile data; number of bags beingdeposited which correspond to the tag data; and other information.Specific information regarding the amount and types of cash, coins,checks, and coupons being deposited may also be included in a tag.Additionally, tag data may correspond to one or more checks, e.g., checknumbers, the maker of (particular) checks, and image data (e.g., imagesof checks, user, or other items). Other tag data may correspond tocurrency. For example, each respective currency note may have an RFIDtag containing data corresponding to the value of the respective note.An RFID tag can include depositor bank account information. Taginformation can be operative to inform the machine whose (or which)account(s) to credit for the deposit.

A tag may also include security features, such as features to avoid orprevent tampering. For example, a tag may include some type of valuelike a digital signature and/or one or more values that are a functionof other values. The values may be taken from an item to be deposited,such as an ID or account number. Cryptography may be used. The digitalsignature and value function can be interpreted and understood by thetag reader and/or the machine.

An RFID tag may be associated with any type of depositor componentinvolved with the deposit in any manner that enables reading of the tagby a reading device. For example, a tag may be (embedded) in, on, oraffixed to a deposit bag, a deposit ticket or slip, or a user card(e.g., bank card). A tag can be integral or one-piece with a depositorcomponent (e.g., card). A self-adhesive label may comprise an RFID tag.The label may also have indicia thereon. The label can be affixed to adeposit item. For example, the label may have removable backing enablinga label adhesive to stick to an item.

One or more deposit items may comprise one or more tags. A tag may bepositioned with an item so that it cannot be seen. For example, a tagmay be built or sewn into a liner of a deposit bag. A tag may also be inuser's wallet or on a key chain. A tag may also be removably held by atag holder of a deposit item. For example, a tag may be inserted into aclear plastic holder, similar to a luggage tag holder. The holder mayalso have a closure portion (e.g., tongue and groove relationship lockor seal) to prevent the tag from falling therefrom and protect the tagfrom the environment exterior of the holder volume.

Each of the RFID tags can comprise the deposit data necessary to ensurea proper recordation of the deposit. For example, a tag may includedeposit data representing a depositor account number to be credited, thenumber of checks being deposited, the value of the checks, the types ofcurrency notes being deposited, the number of each type of currencynote, the value of the currency notes, and the total value amount beingdeposited.

FIG. 60 shows a self-adhesive label 500 comprising an RFID tag 502. FIG.61 shows the label 500 attached to a deposit ticket 504. The ticket 504has indicia listed thereon of the types and amounts of the items beingdeposited. The listing of the deposit data on the deposit ticket 504 ismerely exemplary, as the label tag 502 has stored therein datarepresentative of the indicia data. It should be understood that adeposit ticket may include an RFID tag without having any deposit dataindicia listed thereon. As shown in FIG. 61, the deposit data includes adepositor account number; the number of checks being deposited; thevalue of the checks being deposited; the number of respective $100, $50,$20, $10, $5, and $1 currency bills; the value of the coins beingdeposited; the value of the bills and coins being deposited; and thetotal value amount (of the checks and cash) being deposited. The ticket504 included a reserved unused area for placement of the label 500.

In an alternative embodiment the tag may comprise the deposit ticket.For example, the tag may be of a size enabling deposit data indicia tobe printed thereon. Furthermore, a tag may have an indicia data labelattached thereto. Likewise, both the tag and the indicia data can be onseparate labels, with the labels affixed to another member.

FIG. 62 shows a deposit bag 506 having an RFID tag 508.

FIG. 63 shows an alternative deposit bag 510 (e.g., a cash bag with azipper) with a tag 512.

FIG. 64 shows a user card 514 having an RFID tag 516. The tag isembedded in the card. The tag 516 can include data associated withdeposit information, e.g., information regarding at least one deposititem, as previously discussed. Alternatively, or in addition thereto,the tag may contain depositor identification and/or authorization data.

In an exemplary embodiment, one or more RFID tags are deposited into adeposit accepting machine along with at least one deposit item. Adeposited tag can be remotely read once the tag is within reading rangeof the machine's tag reader. Thus, a reader may be located in themachine and operative to only read a tag that has been inserted into themachine. The deposit data input may be remotely read from a tag afterthe deposit item(s) has been securely deposited in the machine. That is,the tag may be interrogated after the deposit can no longer be retrievedor removed by the depositor. For example, after a deposit bag having atag thereon has been inserted or deposited into the machine, thedepositor no longer has access to the deposited bag. The access may bedenied by moving the bag to a non accessible secure area in the machine,or by closing and locking the depository door, or by other arrangements.

More than one RFID tag may be used in the depositing process. Pluraltags may be used to reflect the information of the valued items beingdeposited. Other tags may be used to provide identification of thedepositor and may be used to compare to stored data to identify anauthorized user. One or more tags may be used to authorize the deposittransaction. Some tags may have plural types of information. Other tags,such as single tag, may include all of the input information necessaryfor a deposit transaction.

A deposit accepting machine can be programmed to automatically open (orunlock) a depository door (or cover) for entry of deposit items uponreceiving authorization via interrogation of an RFID tag. Theauthorization can be contained in an RFID tag separate from the tagshaving the deposit information reflective of the items to be deposited.The authorization RFID tag can be reusable. Thus, the authorization RFIDtag does not have to be deposited into the machine with deposit items.

The tag reader may be in or on a depository door. In certain embodimentsa depositor is able to insert a deposit without requiring contact withany part of the machine. Sensors in the machine can be used to determinewhen the entire deposit has been received by the machine. The sensorsmay comprise tags read by the machine. For example, an interrogated tagcan indicate to the machine the number of bags being deposited. Each bagmay have a total bag tag. Each bag may also have a tag reflecting itsbag deposit number. For example, three bags may have different tagsrespectively containing bag numbering data, e.g., one of three, two ofthree, and three of three. After determining (via one or more sensors)that the machine has received all of the bags involved in the deposit,the machine can then automatically close the depository door.

A vehicle (e.g., an automobile) may also be equipped with an RFID datatag. The RFID tag can contain identification/authorization data toperform a deposit transaction. Of course it should be understood that anRFID tag associated with a vehicle may also contain data reflective ofthe items being deposited (e.g., amount of deposit). An RFID tag may bepositioned on the auto at any location enabling its reading by anappropriately placed RFID reading device affiliated with the depositaccepting machine. For example, an RFID reading device may be situatedto read a tag positioned on a window, mirror (e.g., rearview mirror),license plate, or license plate holder of an auto. A tag reader canautomatically read the tag information once the auto is within apredetermined range of the machine, process the information, and promptthe user by name on how/where to insert the deposit. A reader may bepositioned adjacent to a drive-thru lane upstream of the depositaccepting machine. One or more computers associated with the machine canenable a presentation of a welcome display screen to be quickly made toa particular named user (e.g., whose name is in the tag or correspondsto data in the tag). The use of an RFID data tag on a vehicle canenhance efficiency at a drive-thru depository.

FIG. 65 shows a vehicle license plate 520 comprising an RFID tag 522.For clarity only the tag is shown on the plate. A vehicle having thelicense plate 520 is adapted to make an automatic deposit at adrive-thru depository system having an RFID reader device. The reader isoperative to read the plate tag. More than one reader may bestrategically positioned relative to the drive-thru lane to ensurereading of the tag.

An RFID tag may be on or in one or more checks (e.g., financial checks,bank checks, personal checks, travelers checks). For example, one ormore tags may be on each check being deposited. A check tag may includecheck data corresponding to indicia (e.g., visible and/or nonvisible) onthe check. A check tag may include information regarding one or more ofan account number, check (sequence) number, check amount, payee, payer,financial institution, bank ID, verification data, and otherinformation. Check data may also include a value that is a function ofplural check indicia.

FIG. 66 shows a check 530 having an RFID tag 532. The tag comprises datarepresenting indicia on the check, such as the check amount 534, thechecking account number 536, the financial institution associated withthe checking account 538, and the check number 540. For clarity not allcheck indicia has been shown. The check 530 may be read by a checkreader. A machine controller can control operation of the check reader.A check reader may be part of a system of the type described inconnection with U.S. Pat. No. 6,554,185, the disclosure of which isincorporated herein by reference as if fully rewritten. Of course, inalternative embodiments other check reader systems may be used.

A check RFID tag may include all the information necessary to enable thecheck to be cleared or processed through one or more banks and/or theU.S. Federal Reserve Bank. Check processing systems, such as those of abank, can also use reader devices that can read the pertinent checkinformation from the data in an RFID tag. A particular tag of a checkmay be read several times. For example, the tag may be read upon initialdeposit at a deposit accepting machine, then by the bank and/or FederalReserve.

A check tag may also include verifying data corresponding to physicalfeatures on the check. This verifying data can be used in verifying orauthenticating a check to reduce or prevent tampering. For example, theface of a check may have a particular security feature (e.g., marking orcode) thereon. An RFID tag is operative to store this security feature.A verification device, such as a tag reader, could then determinewhether the check is valid by comparing security features. That is, thesecurity feature stored in the tag can be read and the security featureon the check can be read. The two security features can then be comparedto determine whether the check has been tampered with. The securityfeatures may be converted to a common format prior to comparison.

Additional check security may be implemented. For example, the tag couldalso include information additionally corresponding the check securitymarking to another check feature such as the amount or the check number.Therefore, correspondence of a tag's stored security marking (ormarkings) with both a check's security marking and the check amountwould need to match in order to validate the check as trustworthy. Thetag/reader system can be used to distinguish an item as a valid check oran invalid check (e.g., unfit for transaction or deposit credit). Aninvalid check may also be determined or classified by the deposit systemas one of not a check (e.g., blank paper), a suspect check, or acounterfeit check.

Furthermore, it should be understood that the use of RFID tags forchecks is likewise applicable for other instruments (e.g., currency)that may be deposited. An RFID tag may be on or in currency (e.g., billsor coins). One or more tags may be on each currency item beingdeposited. A currency tag may include currency data corresponding to theindicia on the currency. For example, the tag data may include currencyvalue (e.g., $50), serial number, country of issue, type of currency,date of printing, manufacturer, location of manufacture, treasurer, andother information. Thus, each respective currency note being depositedmay have an RFID tag containing data corresponding to the value of therespective note. The tag may be embedded in the paper of the note orpermanently affixed to the note. Contrarily, the tag may be temporarilyremovably attached to the note (or coin) for later removal therefrom.The tag may be on a removable adhesive label. In further exemplaryembodiments, a currency (e.g., bill or coin) reader, validator, and/orcounter can comprise an RFID tag reader.

A customer bank card may also have one or more RFID tags. The bank cardmay include information in RFID tags instead of or in addition toinformation in magnetic stripes and/or information in a programmablememory of a card (e.g., smart card). That is, magnetic stripe cardsand/or smart cards may further include RFID tags. One or more tags maybe removably attached or mounted to a card (e.g., thereon or therein). Acard tag may be removable. Alternatively, tags may be permanentlyaffixed to a card, such as embedded in a card substrate (e.g., plastic,polymer, film material). A card tag may also be part of a self-adhesivecard label.

The card's RFID tags may be read external to a reader device of adeposit accepting machine. Alternatively, the card may be inserted intoa reader device (e.g., card reader) associated with a machine, such asinto a card slot in the machine fascia. An RFID reader device isoperative to read an RFID tag located within a predetermined distance ofthe RFID reader device. Thus, an RFID reader device can be operative toread an RFID tag whether the tag is located inside or outside (andadjacent to or within range of) the reader device. The RFID readerdevice may also be operative to read any magnetic stripe or programmablememory of a card inserted into the reader device. For example, a multireader device may be capable of reading the RFID tag, the magneticstripe, and the programmable memory of a smart card.

FIG. 67 shows an exemplary deposit accepting machine 550. The machine550 can be an automated banking machine (e.g., ATM). The machine 550includes a fascia 552 which serves as a user or customer interface.

The machine 550 further includes a housing 554 which houses certaincomponents of the machine. The components of the machine can includeinput and output devices. The input devices include an RFID readerdevice 560. The input devices also include a card reader 556 that isoperative to read the magnetic stripe of a customer's card.

The fascia includes a keypad 558, function keys 562, display 564,receipt outlet slot 566, mini account statement outlet 568, and adocument (e.g., cash) withdrawal opening 570. A deposit acceptingopening 572 is also shown. It should be understood that these featuresof the described machine user interface are exemplary and in otherembodiments the user interface may include different components and/orfeatures and/or arrangements.

FIG. 68 shows the reader 560 of FIG. 67 in remote communication with anRFID tag 580. The tag 580 can include deposit data of a type previouslydiscussed. The reader 560 is operative to interrogate the tag 580 asrepresented by communication arrows A and B. The reader 560 is operativeto transmit (arrow A) a data request to the tag 580. The reader is alsooperative to receive data transmitted (arrow B) from the tag in the formof signals. A deposit accepting machine controller can control operationof the reader 560. As previously discussed, the tag 580 may beinterrogated after it has been deposited in the machine. That is, remotecommunication between the reader 560 and tag 580 may occur while thedeposited tag is in the machine. Thus, even though a deposited RFID tagmay be located in a deposit accepting machine (and not remotetherefrom), the communication between the RFID tag and the machine'sRFID tag reader can occur remotely. Furthermore, as previouslydiscussed, a deposit transaction arrangement may not permit the tag 580to be interrogated until the deposit (including the deposit items andthe tag) has been secured in the machine so that the depositor can nolonger access or retrieve the deposited items or the tag. Again, thedeposit accepting machine controller may control the machine componentsand thus operation of the deposit transaction process.

Other exemplary arrangements may be used. For example, a tag may be readprior to the deposit being secured. Upon reading deposit data from atag, a display may be produced showing the data (e.g., amount ofdeposit) to the depositor. The display may request that the depositorconfirm whether the deposit should proceed. The confirmation may beinput by touching a button on the screen (e.g., touch screen), orpressing a key on a keyboard, or another input process. Upon the machinereceiving confirmation from the depositor, the machine may then securethe deposit in the machine so that the deposit can no longer beretrieved. Also, rather than entering a confirmation input, thedepositor may enter a cancel deposit transaction input. The machine canthen return the deposit to the depositor and cancel the transaction.

A standard type and sized RFID tag may be used for several differentdeposit items. Alternatively, custom sized tags may be made for selecteddeposit items or other items. For example, a first sized tag may be usedto record deposit data corresponding to a small amount of checks andcash to be deposited. However, a larger custom sized tag may begenerated and used for recording the data corresponding to a much largeramount of checks and cash.

FIG. 70 schematically represents an alternative system 600 which may beused to carry out methods for receiving deposits. In this exemplaryembodiment deposit containers such as deposit bag 602 is received in adepository. In some exemplary embodiments the depository may be of thetype like that previously described in connection with third housing 16of the automated banking machine. In other embodiments the depositorymay be of another type such as a standalone depository that receivesdeposits. In some embodiments the machine may be in operative connectionwith a card reader that reads data from user cards, which corresponds toa financial account to which a value associated with a deposit item isto be credited. An exemplary deposit container 602 is in operativeconnection with an RFID indicator tag schematically represented 604.RFID tag 604 in some embodiments may be an intregal part of the depositcontainer. In other embodiments the RFID tag 604 may be an article whichprovides RFID data which is removably installed in the deposit holdingcontainer. In some embodiments the RFID tag 604 may be of theprogrammable type. In other embodiments the RFID tag may be of a typethat outputs predetermined data and is not changeable or otherwiseprogrammable. Of course in other embodiments other approaches may beused.

In the exemplary system 600 the deposit container 602 is received in adepository which includes at least one antenna 606 operative to receivesignals corresponding to data transmitted by the RFID tags. In theexemplary embodiment antenna 606 comprises one or more circular orsemi-circular antennas which extend in generally surrounding relation ofan area 608. Area 608 in some exemplary embodiments may include a throatarea similar to throat area 324 previously discussed. The antennasextend on at least portions of all the walls or other structures thatdefine the throat area, and thus generally surround the area. In anexemplary embodiment deposit containers placed in a depository headthrough an opening of the housing of the deposit accepting device mustpass through the throat area 608 in order to reach a deposit storagearea 610. In some embodiments the throat area 608 may be below adepository head similar to depository head 54 previously discussed.Alternatively the throat area may be below another mechanism throughwhich a deposit container is accepted. In some embodiments the depositstorage area 610 may be within a chest portion of a secure housingsimilar to chest portion 62 previously discussed. Of course theseapproaches are exemplary.

In the exemplary embodiment the RFID antenna or antennas are positionedadjacent to the throat area through which deposit containers pass afterbeing deposited into the depository and before they are positioned inthe deposit storage area 610. In this way RFID tags may be read at atime when they are within the depository but before they becomepositioned in close adjacent relation with deposit items that maycontain other RFID tags. In addition the exemplary arrangement enablessensing when the deposit item including the RFID tag is received in thedepository. In this way a time associated with receipt of the depositcan be determined by an RFID reader and/or a connected computer.

In the exemplary embodiment RFID antennas commercially available fromIntermec Corporation are used. In the exemplary embodiment circularpolarized antennas are operative to send data corresponding to the RFIDdata read from the deposit items to one or more RFID readers 612. TheRFID readers 612 include at least one processor and are operative tointerpret the signals and determine the data provided by the RFID tags.The one or more RFID readers 612 also include an electronic interface toother computers which enables the data concerning items received to bepassed to one or more other computer systems. Of course these approachesare exemplary and in other embodiments other approaches may be used.

In the exemplary system the one or more RFID readers 612 are inoperative connection with a bank server schematically indicated 614.Server 614 comprises a computer that is in operative connection with atleast one data store 616. In the exemplary embodiment the bank server614 is operative to receive the information from the RFID tags and tostore the data in the at least one data store. In the exemplaryembodiment the at least one server has computer software operatingtherein that is operative to communicate through the interface with theRFID reader or readers, and to resolve the data from the tags on thedeposited items. In the exemplary embodiment the RFID tags comprise databearing records, and the data output by the RFID tags corresponds toinformation such as the name of the depositor, the depositor's accountnumber and the time of the deposit. Such information may also include inexemplary embodiments, information on checks deposited, credit slipsdeposited and cash deposited. The information concerning the cashdeposited may include for example, the denomination and number of eachtype of currency bill that is included in the deposit. Likewise depositdata may include the type and number of each type of coin included inthe deposit. In exemplary embodiments the bank server is operative toresolve and store the information regarding the deposit including thetype, number and amount of each type of currency included therewith inat least one data store. Of course this approach is exemplary and inother embodiments other approaches may be used.

In some exemplary embodiments the deposit may also include informationabout checks. This may include for example data useful in electronicallyprocessing the check transactions. For example the data transmitted mayinclude the micr line data on each particular check, the amount of therespective check, as well as other data that the merchant who receivedthe check has read from the check either with a reading device orvisually and then recorded with an input device. Such information may beuseful in processing the check and/or settling the payment associatedtherewith. In still other exemplary embodiments the merchant or otherentity who received the check may include with the check data, imagedata associated with each check. Such image data may be included on aportable storage media included in the deposit item, such as on aportable flash memory. Alternatively or in addition, merchants whoreceive checks may have scanners at their facility so as to produceimage data corresponding to the visual appearance of each check, thatalong with other data facilitates processing of the check as anelectronic image and enables disposal of the paper check. Methodologiesused in connection with such activities may include approaches similarto those described in U.S. Pat. No. 7,147,147 the disclosure of which isincorporated herein by reference in its entirety. Further if sufficientdata is available from the programmable RFID tag, data corresponding toimages of checks may be read through operation of the RFID readers. Thismay be useful in avoiding the need for further manual processing orimage capture by the bank of the deposited checks. Of course theseapproaches are exemplary and in other embodiments other approaches maybe used.

As shown in FIG. 70 in the exemplary embodiment the bank server operatesin accordance with its associated programmed instructions to record thedata concerning each deposit. Bank server 614 is in operative connectionwith other bank servers schematically represented 618 through a banknetwork 620. Bank servers 618 include processors and associated datastores and operate in accordance with their respective programming tocarry out various functions. These functions include recordinginformation concerning the deposit, the crediting of depositor accounts,the processing of associated transactions and other functions associatedwith the deposit or the depositor's account.

In an exemplary embodiment one or more of the bank servers 618 are alsooperative to execute instructions that determine an amount of cash thateach bank facility requires for its operation. This may include forexample, determining the denomination and amount of bills and coins thateach bank facility is estimated to need for the operation of thatfacility during the next business day or some other future businessperiod. The bank servers may be operative to calculate the estimatedneed for various numbers and denominations of cash based on currentusage, calculations and projections of future usage and for user inputs.

In exemplary embodiments the bank servers calculate the need for suchcash at each bank facility and place orders therefor with a source ofcash schematically represented 622. In some embodiments the source ofcash may be a Federal Reserve branch that may provide amounts of cash inthe various requested denominations to each bank facility. Asschematically represented, the bank's servers may communicateinformation concerning the type and amount of cash needed at eachfacility to the Federal Reserve through a network 624. Network 624 maybe a public or private network suitable for providing communicationsbetween the bank servers and the Federal Reserve or other source ofcash. In some embodiments network 624 may include the Internet throughwhich communications may be made on a suitable encrypted or securebasis. Of course these approaches are exemplary.

In operation of exemplary embodiments the Federal Reserve or other cashsource 622 receives the request for cash from the particular bank andmakes such cash available. It should be appreciated that such cash willbe transported by an armored truck or other suitable methodology to theparticular bank or other facility where the cash is needed. This isrepresented by a transport vehicle 626. As will be appreciated, in theexemplary embodiment the bank will have determined the number and typeof bills and coins that it needs at each facility for its operationsduring a particular future period. This calculation may be a period of abusiness day or a portion thereof. Alternatively in some embodiments theperiod for which the estimate is calculated may be several days. Theamount requested may depend on several factors such as how frequentlythe bank may receive the shipments of cash from the cash source. Also insome embodiments certain bank or other facilities may have checks orother items including cash that they have received, and these items willbe transported to the Federal Reserve or other facility. Generally thebank will receive a credit for these items. It should be understood thatwhile the exemplary embodiment is described in connection with bankbranches and the receipt and exchange of cash and other items with theFederal Reserve, the principles described may be applied to othersituations and facilities which receive items such as deposits and/orwhich require cash from a cash source.

In accordance with an exemplary embodiment, the ability of a computersystem in operative connection with at least one depository to determinethe amount and denomination of cash received with each deposit may beuseful in reducing the need to transport cash from a cash source to aparticular bank facility that has received the deposits. Specificallythe capability provided by the exemplary embodiment for the facility orfacilities having the depository or depositories, to know the amount ofcash included in each deposit at the time it is received, provides thecapability for the bank to be immediately aware that cash in the amountand type that has been deposited may be available for use by the bankfacility or facilities as soon as the deposit containers are removedfrom the depository storage areas. The availability of this informationmay be utilized in calculations executed by the bank's servers toconsider the amount available from deposits in making its requests tothe cash source for additional funds needed for operations. Thus in anexemplary embodiment for a given banking facility or group of bankingfacilities the amount of the additional cash that would normally berequested from the cash source can be reduced by the cash on hand thathas been received in recent deposits by depositors. This is possible inexemplary embodiments even though the deposits have not yet been openedby bank personnel. Thus the system is able to avoid having to transferas much cash from the cash source to the bank or to a bank facilitybased on amounts that are available from deposits that have beenreceived but have not yet been opened. Of course these approaches areexemplary and in other embodiments other approaches may be used.

FIG. 71 schematically represents exemplary methods that may be used bymerchants or other depositors in providing the information to the systemconcerning the content of deposits. In exemplary embodiments a merchantmay have one or more computers 628. The merchant computer may include atleast one processor and software including computer executableinstructions. The computer executable instructions may include softwarewhich operates at least one peripheral device 630. Peripheral device 630may in some embodiments include an RFID reader which is operative toread RFID tags schematically represented 632. In other embodimentsdevice 630 may include an RFID reader/writer that is operative toprogram programmable type RFID tags.

In some exemplary embodiments the merchant computer 628 may be operatedto compile the information necessary to include on a programmable RFIDtag that will be included with the deposit items. This may include thetypes of information previously discussed such as information thatidentifies the depositor, their account and each of the various numbersand types of deposit items to be included in a deposit. In suchembodiments the merchant computer 628 may operate in accordance with itsprogramming to program an RFID tag or other article with suchinformation. The RFID tag may then be included within or on a depositcontainer. The deposit container may then be deposited in a depositoryin a manner like that previously discussed.

In some embodiments the at least one merchant computer 628 may alsoinclude software which is operative to communicate with one or more bankservers 634. Such bank servers may include one or more processors andone or more data stores schematically indicated 636. Communicationbetween the merchant computer and the bank servers may be carried outthrough a network 638. Such communications may be encryptedcommunications carried out through a network such as the Internet. Ofcourse in other embodiments other approaches may be used. The bankserver 634 is in operative communication with a private bank network 640which in the exemplary embodiment is a private network within the bank.Bank network 640 is in operative connection with one or more bankservers 642. Bank server 642 is in operative connection with an RFIDreader 644 which is in operative connection with a depository adaptedfor receiving deposit items 646.

In an exemplary embodiment the merchant computer 628 can communicate toone or more bank servers 634 information about the planned depositincluding the deposit item information. This information may be receivedand stored in at least one data store associated with the bank server.The information may be stored prior to the deposit item being receivedby a deposit receiving machine operatively connected with the system. Insome exemplary embodiments when the deposit item has been received at adepository in communication with the bank network, one or more bankservers may operate to identify the deposit, credit the merchant'saccount for a value associated with one or more items in the deposit andprovide one or more messages back to the merchant computer to indicatethat the deposit has been received. Such messages may also includeinformation corresponding to the crediting of the merchant's account fordeposited items. In some embodiments the bank system may also makeavailable to the merchant other information concerning the depositincluding for example, images associated with the making of the depositwhich the merchant user may store in at least one data store associatedwith the merchant computer. Of course these approaches are exemplary andin other embodiments other approaches may be used.

In some alternative exemplary embodiments the merchant computer may bein operative connection with a peripheral device 630 which is onlyoperative to read data from preprogrammed and generally unchangeableRFID tags. These tags may be low-cost, one-time use tags which includedata which is generally unique to the particular tag. Such tags may be alow-cost alternative to programmable tags of the type previouslydescribed.

In some exemplary embodiments the merchant computer is used to provideinformation concerning a planned deposit of a type previously described.The merchant computer is operative to read the data from one of thepreprogrammed RFID tags. This data is read through operation of the RFIDreader 630 and associated with the information concerning the deposit.The deposit information including the RFID tag data is then transferredto the remote bank server through the network. The RFID tag is includedwith the deposit that is sent for deposit to the bank.

In this exemplary embodiment the data concerning the deposit and theRFID tag data is stored in at least one server associated with the bank.As a result when the deposit including the RFID tag is sensed asreceived in a depository through operation of an RFID reader, the atleast one computer of the bank is operative to correlate the informationabout items included in the deposit with the RFID tag data. Systems ofsome exemplary embodiments may also operate in the manner previouslydiscussed to provide the merchant computer with confirmation of receiptof the data through messages transmitted through at least one network.

An advantage associated with this alternative embodiment is that lessexpensive, fixed data output RFID tags may be used. In addition in thisembodiment the RFID tags included with the deposits need not contain anydata concerning the merchant's accounts or other information that mightbe used for improper purposes in the event the deposit item is stolen.In some embodiments the RFID tags may contain only numerical and/oralphanumerical data which is of no value to a third party who does nothave access to the bank's private network. Of course these approachesare exemplary.

It should be understood that although in some embodiments the processesdescribed refer to deposits carried out by a merchant, the principlesdescribed may be used with other types of depositors. These may includeindividuals who make deposits but who are not necessarily merchants.

A bank card RFID tag may also be used in some embodiments to store anyof the previously discussed deposit information therein. In an exemplaryembodiment, tags can contain much more customer-related data than can berepresented by a magnetic stripe type of arrangement. For example, acard tag may also contain information reflective of additional securityfeatures and card data. A tag may also carry a unique customeridentification number of 32 bits or longer. A tag can be used whichenables a card to store more information in a smaller space incomparison to prior art magnetic stripe cards.

An RFID tag can be on a multi use card which has plural distinct RFIDtags. The same card may have several RFID tags, each only usable for aspecific purpose. For example, one tag may be a deposit tag which isreadable by a deposit accepting machine for carrying out a deposittransaction, whereas another tag may be a cash withdrawal tag which isreadable by a cash dispensing ATM for carrying out a cash withdrawaltransaction, whereas a further tag may be a credit card tag (e.g.,having account information) useable in making purchases. The specificuse tags may be readable only by specific readers. Also, a multi usecard may have a generic RFID data tag which is readable by all RFIDreading devices. The generic RFID data tag may include information(e.g., an account number, a PIN or other data) which generic or commonto all transactions available with the multi use card.

RFID tags may have read-only or rewritable memory for storage of depositinformation. A tag may have fixed or unchangeable data. In such asituation, a combination of plural read-only tags may need to beassigned or attached to a particular deposit component (e.g., bag orcard) to fully represent the total deposit information content. Adeposit component may also have a combination of read-only andprogrammable tags.

RFID tags may have a memory which can be changed or modified byauthorized personnel or equipment. A tag memory may be changed orreprogrammed to correspond to a respective different deposit. Forexample, a merchant employee can use a tag programming device that isoperative to communicate with an RFID tag to change and/or insert newdata therein. The RFID tag programming device may be hand-held.

In other data-loading of tag arrangements, a tag programming device maybe combined with another device. For example, a check reader system orscanner may include a tag programming (or reprogramming) device or a taggenerator (i.e., for creating initial tag programming). The check readercould read a check and then program an RFID tag (new or used) already onthe check with data specific to that check. A check reader system mayalso read a check, create an RFID tag with data specific to that check,and affix the tag to that check. A check reader system may also have thecombined ability to both program existing tags or generate and affix newtags. A deposit accepting machine can include the checker reader systemor the check reader system can be a stand-alone device.

In an exemplary embodiment, RFID tags do not require contact (e.g.,physical, mechanical, or electrical contact) with a tag readercomponent. In the exemplary embodiment a depositor can pass or wave thetag (or the item containing the tag) adjacently to or over a scanningarea associated with an RFID reader device of a deposit acceptingmachine to have the tag data (containing deposit information) remotelyread. The scanning area can comprise a surface area of a fascia of thedeposit accepting machine. A tag reader and an RFID tag can be remotelyphysically separated or spaced during reading of the tag. Thecontactless arrangement can prevent damage (wear and tear) to a readerand a machine fascia. Thus, machine down time associated withmaintenance and service can be reduced.

Furthermore, other scanning and/or reading arrangements may be used. Forexample, deposited items such as checks may be on a conveyor ortransport during RFID reading thereof. A reader can be relativelypositioned above or below the conveyor, which may include a belt. Areader may also be combined with another component in a common device.That is, the device can be operative to provide more than one function.For example, an RFID check reader and a check imaging component may bothbe in or a part of the same device or system.

With the use of an RFID tag in a card, the physical aspects of athrough-the-fascia portion of a contact type card reader interface canbe avoided. Thus, the service and/or reliability issues for an RFID cardreader can be reduced and/or eliminated. Also, the wear of components(e.g., contact read head, mechanical card transports, and card sensors)associated with conventional contact type card readers can beeliminated. Wear to a user's card can also be reduced.

When an RFID tag is within range of a deposit accepting machine's RFIDreader, then reader device circuitry can interrogate the tag to receiveinformation about the particular deposit and/or depositor and/or adepositor's account. The reader may periodically check for an RFIDdeposit tag. For example, the reader on a predetermined timed basis maytransmit a signal and expect a response signal from an RFID tag. If noreturn signal is received then the reader will later transmit anothersignal. In alternative embodiments the reader may become active (e.g.,transmit a signal) responsive to an initiating action by the depositor.The depositor action can be sensed by the machine/reader as anindication that a depositor may be present. For example, a reader maybecome active responsive to a depositor touching a keypad, function key,or touch screen. Alternatively, a reader may become active responsive touse of a depository key, or opening of a depository door, or sensing abag in the machine. Also, a tag may initiate communication with areader. That is, an RFID deposit tag may notify an RFID reader of itspresence.

The reader circuitry may comprise a circuit card assembly including oneor more processors. The information communicated or exchanged between anRFID tag and an RFID tag reader may include signals that are encryptedto provide additional security. Thus, a reader may comprise a decoder indecoding circuitry.

In an alternative arrangement more than one RFID tag reader device maybe used. For example, a plurality of reader devices may be used toincrease the tag reading range of a machine. The plural tag readerdevices can be disposed from each other at respective predetermineddistances. Plural tag reader devices may also be used to ensure anaccurate reading of tag deposit information. These reader devices may bepositioned closely adjacent each other to enable a similar reading. Thereadings from different readers can be compared, such as through the useof statistical analysis. For example, if two of three readings agree,then the matched reading can be determined as the accurate reading. Thecomparison of readings can also be used to determine faulty readers.

The use of an RFID reader(s) may permit a deposit accepting machine tohave a reader device located at a previously unacceptable reader deviceposition. The physical space of an RFID tag reader and any RFID tagreader interface (e.g., card scanning area) can be located at an area ofthe fascia different from the area previously required for use withprevious readers, such as a contact type card reader. Also, all or aportion of an RFID tag reader device can be remotely mounted adjacent tothe machine. That is, an RFID tag reader device need not be mounted onthe fascia or the machine, but may be disposed from the machine. An RFIDtag reader device can be positioned so as to free up fascia space foradditional transaction devices, thus increasing a machine'sfunctionality. The freed up space allows other devices to be added tothe valuable customer access area. For example, the additional fasciaspace may be used in some machines for installation of coin acceptor.

An exemplary process of remotely receiving depositor input with adeposit accepting machine system includes generating an RFID deposit tagthat has data representative of deposit items to be deposited. Placingthe tag in (or on) a deposit bag or on or with a deposit item. Placingitems (e.g., cash, coins, checks) to be deposited in the deposit bag.Transporting the item containing deposit bag to a deposit acceptingmachine, wherein the machine includes an RFID deposit tag reader and adepository. When the bag is within range of the reader, transmitting RFenergy (i.e., power) from the reader to the tag. Transmitting thedeposit data from the tag to the reader. Inserting the bag into thedepository. Printing a receipt reflective of the deposit. Presenting thereceipt to the depositor. Of course it should be understood that otherexemplary processes of remotely receiving depositor input in carryingout a deposit transaction may be used. For example, as previouslydiscussed, a tag may be located on a check, and opening of a depositorydoor may trip the reader to an active state.

It should also be understood that in the exemplary embodiment, inaddition to capturing images from camera 58 and camera 326, duringdeposit transactions, additional images may be captured during thecourse of transactions conducted at apparatus 10. For example, camera 28in housing portion 12 may be actuated at various times during the courseof transactions to capture images from users of the apparatus. Suchimages may be stored in one or more data stores in association withcorresponding transaction data related to transactions conducted byusers. Such transaction data may be captured and stored by terminalprocessor 74 or other connected processors, computers or devices whichare capable of capturing and storing image and transaction data. Aspreviously discussed, certain exemplary embodiments of the invention mayoperate to capture and store transaction data in the manner of theAccuTrack™ digital video recording and playback system commerciallyavailable from Diebold, Incorporated of North Canton, Ohio or describedin U.S. Pat. No. 6,583,813, the disclosure of which is incorporatedherein by reference in its entirety. Of course, in other embodimentsother procedures and approaches may be used.

Returning to the description of a bag deposit and the transaction logicassociated therewith, the terminal processor in the exemplary embodimentis operative to cause a screen 426 shown in FIG. 51 to be produced onthe touch screen after the bag deposit has been made. Screen 426 in thedescribed embodiment may be identical to screen 374 and prompts the userto indicate the number of receipt copies they wish to receive bytouching icon 428. As previously discussed, a user may wish to haveseveral deposit receipt copies for purposes of tracking and documentingdeposits. Deposit receipts may include machine readable indicia as wellas human readable indicia for purposes of facilitating the tracking ofdeposit transactions.

FIG. 52 shows an exemplary receipt 430 for a deposit transaction.Deposit transaction receipt 430 indicates information regarding the bagdeposit transaction including the time and date, bag identificationnumbers, one or more amounts, terminal, location, card number (if used),and serial number of the transaction. Of course, other information mayalso be included including machine readable information. The number ofreceipts requested by the user are produced by the machine responsive tothe user input and provided to the user.

A deposit accepting machine can also include a receipt generator thatuses RFID tag technology. The receipt generator can prepare or create areceipt that contains an RFID tag. The receipt tag can includeinformation reflective of the deposited items. The machine can program atag of a paper receipt either before or after the tag is part of thepaper receipt. For example, the tag may be already part of the receiptand then programmed with the deposit data. That is, the tag (awaitingprogramming) is already affixed to or embedded in the receipt paper(e.g., a receipt paper roll includes the tags therein). Alternatively,the tag can first be separately programmed and then affixed to thereceipt. Tags already in a receipt paper roll can be spaced in apredetermined manner. If the machine determines that the receipt willneed to be longer than the predetermined receipt length then the machinecan turn the roll to produce a receipt of double length (with only oneor both tags therein used). Alternatively, with the need for a longerreceipt, a receipt (without a tag) can first be printed and later a tag(containing the receipt information) affixed to the receipt. The use ofseparate tags permits custom sizing of receipts. It should be understoodthat a receipt may comprise materials other than paper (e.g., plastic).

The information inserted into a receipt tag can include more or lessdata than was printed on the receipt. For example, a novel depositverification code (which may be encrypted) can be placed in the RFID tagbut not printed on the receipt. Alternatively, the code may be printedon the receipt and placed in the RFID tag to ensure that the tagcorresponds to the receipt. One or more images of the depositor and/orthe items (e.g., deposit bag) securely deposited (e.g., cannot beretrieved by the depositor) in the machine can also be loaded into oneor more receipt tags. To guard secrecy, the depositor name, depositedamount, and/or account number may be placed in RFID format but not inprinted indicia format. A receipt may also have an RFID tag without anyprinted indicia. The data in the RFID tag provided with the receipt mayalso be used to access data of the type described that is accessiblefrom a computer in operative connection with a network.

The machine may also be operative to change or modify (i.e., reprogram)the RFID tag associated with the deposit component (e.g., deposit bag orbank card). Thus, the machine can modify the tag to include the receiptdata. That is, the verification (receipt) data for the deposittransaction can by placed into the same tag from which the depositinformation originated (i.e., which contained the user's depositinformation). The user-supplied RFID tag can also be (used as) thereceipt tag. Thus, only one tag may be needed for storing both thedeposit data and the receipt data.

FIG. 69 shows a deposit transaction receipt 590 having an RFID tag 592.The receipt 590 is similar to the receipt 430 of FIG. 52, except thereceipt 590 additionally includes the tag 592. The receipt tag 592includes data reflective of at least the indicia information printed onthe receipt. It should be understood that a receipt may include an RFIDtag without having any receipt data indicia listed thereon.

Other information may be loaded onto the user-supplied RFID tag. Forexample, tags may be used to track account transactions. Retrievabletransaction information can be tracked by being recorded (stored) in thetag. The deposit transaction information may relate to the particulardepositor, previous transaction dates and times, amounts of deposit,machine IDs, length of time at machines, and other information.

User preference or marketing information may also be stored in a user'sRFID tag. For example, the machine may have access to an advertisementsequence, which may be internally stored in memory thereof. The sequenceis to be presented to a user in a specific order (e.g., first messageone, then message two, etc.). A tag can be used to keep track of themessage sequence. For example, the tag can contain sequence data (e.g.,a number value) representative of a message in the sequence. Tagsequence data can be read by the machine to determine which message inthe sequence (e.g., the next message in the sequence that has not yetbeen presented) to play to that specific user at that specific time. Themachine can also update the sequence data in the tag.

An exemplary process of providing a deposit transaction receipt includeshaving a deposit accepting machine comprising an RFID tag generator, areceipt printer, and a computer controller operatively connected to thegenerator and printer. Generating an RFID receipt tag that has datarepresentative of the deposited items. Placing the receipt tag on paperfrom a paper roll in the machine. Printing indicia on the receipt,wherein the indicia may be printed on at least a portion of the tag. Theprinted indicia also includes data representative of deposited items.Separating or cutting the paper receipt from the paper roll.Transporting the receipt in the machine to an output opening where it isaccessible to the depositor. Of course it should be understood thatother exemplary processes of preparing a deposit transaction receipt maybe used. For example, as previously discussed, the printing may occurprior to a tag being placed on the receipt. Alternatively, as previouslydiscussed, the paper roll may already have programmable tags therein orthereon.

After completing the transaction concerning the deposit (e.g., bagdeposit), the terminal processor is operative to cause a screen 432shown in FIG. 53 to be displayed. Screen 432 prompts the user toindicate whether they wish to have another transaction conducted. If theuser selects the icon which indicates they wish to have anothertransaction, the terminal processor returns the control logic sequenceto the point where screen 328 is displayed. If the user indicates thatthey do not wish to have another transaction, the appropriate closingscreens such as those previously discussed, are caused to be displayedby the terminal processor. In addition, if the transaction conducted isa card-based transaction in which a user has input a card, the terminalprocessor will cause a screen 434 shown in FIG. 54 to be output on thetouch screen to remind the user to take their card.

It should be understood that the logic flow associated with thetransaction screens described herein is exemplary. In other embodimentsother or additional transaction screens may be presented. The inclusionof additional transaction function devices in the apparatus 10 may alsorequire the terminal processor to output additional or different screensand to carry out other logic flows in order to prompt users in theoperation thereof.

The exemplary embodiment of the automated merchant banking apparatusfurther enables authorized users of the machine to access theinformation stored in the data store 76 concerning transactionsconducted at the machine. Such information may be recovered by users ofthe machine who are authorized to recover such information from the datastore. In addition or in the alternative, such information may bereviewed or recovered by other authorized users operating terminalsconnected to the network 16. Such authorized remote users are enabled byaccessing such data to monitor the overall operation of the merchantbanking apparatus including the amounts it has received from anddispensed to merchants. In addition merchants themselves may beauthorized to access data corresponding to their own transactions aswell as corresponding image and account data so they may trackactivities regarding their account.

In the exemplary embodiment, authorized servicers are enabled to accessdata from the data store 76. This process is initiated by inserting acard with special servicer data into the card reader of the machine. Theprogramming associated with the terminal processor responds to readingthe indicia encoded on such card. The touch screen displays a screen 436shown in FIG. 55. Screen 436 prompts the servicer to enter through thekeypad 26 a servicer ID which in addition to their card identifies themas an authorized servicer who is permitted to recover data from the datastore 76. If the user has properly entered their ID they touch an icon438. If the servicer makes an error in entering the ID, they touch anicon 440 to cancel. If the identification number entered by the servicercorresponds to the card data as determined by the programming associatedwith the terminal processor, a screen 442 shown in FIG. 56 is displayed.In the screen 442 the user is presented with the option of printing adeposit summary report represented by an icon 444, as well as the optionof printing a reconciliation report as represented by the icon 446. Theuser also has the option from screen 442 of touching an icon 448 toindicate that they have completed their activities.

If the user touches the icon 446 in response to screen 442, areconciliation report is printed by the printer 24. An exemplaryreconciliation report 450 is shown in FIG. 57. The reconciliation reportindicates change dispensed, change available, currency accepted andmiscellaneous totals, currency accepted and currency available. Thereconciliation report also indicates fees assessed. Reconciliationreport is useful for verifying the amount of currency and coin in themachine and for determining whether action is needed to either removecurrency from or place additional coin or currency in the machine.

After the reconciliation report is printed, the terminal processor isoperative to return to screen 442. If the servicer selects icon 444 fromscreen 442 a deposit summary report is printed by the printer 24. Anexample of the deposit summary report 452 is shown in FIG. 59. Thedeposit summary report 452 includes a summary of deposits that have beenmade into the apparatus 10. Summary report 452 includes only the totalamount of deposits made.

Alternative embodiments may also be operative to print detailed reportsof transactions conducted at the machine. For example, authorizedservicers or persons with local or remote authorized access to datastore 76 may access a detailed transaction log of all the differenttransactions conducted at the apparatus. Such reports may include, forexample, a detailed transaction report such as report 454 shown in FIG.58. Such a report may show selected or all details concerning deposittransactions or other types of transactions that have been conducted.

In addition to printing the various reports through the printer at themachine, embodiments may provide the capability of loading transactionreports or records in machine readable form. This may be done, forexample, by recording data on a recording medium such as a smart cardinserted into the card reader. Alternatively, such transaction logs maybe recorded onto a computer disc, CD, or other recording medium that isinserted into an appropriate recording device on or in connection withthe apparatus 10. Information regarding transactions conducted may berecorded on the recording medium for later analysis by appropriatepersonnel.

In the exemplary embodiment, authorized users operating terminalsconnected to the network 16 may be authorized to obtain information fromdata store 76 concerning the transactions that have been conducted.These may include, for example, terminals operated by employees of theentity which owns apparatus 10 and which tracks account activities byall of the users thereof. In the alternative, merchants themselves maybe authorized to gain access to the network 116 and may access thestored data corresponding to their particular transactions. Of course,it should be understood that the transaction reports shown herein areexemplary and various types and formats of reports may be produced.

The merchant banking apparatus and its method of operation described inthis exemplary embodiment enables merchants to carry out bankingtransactions which are not achievable using conventional automatedteller machines. The described embodiments provide for attending to theneeds of merchants and provides more convenient banking hours formerchants. In addition, the exemplary embodiment provides for carryingout merchant transactions with heightened levels of security and withprovisions for closely monitoring and tracking such transactions in amanner commensurate with the increased amount of value such transactionsmay involve.

Thus the exemplary embodiments achieve at least some of the above-statedobjectives, eliminate difficulties encountered in the use of priordevices and systems, solve problems and attains the desirable resultsdescribed herein.

In the foregoing description certain terms have been used for brevity,clarity and understanding. However, no unnecessary limitations are to beimplied therefrom, because such terms are for descriptive purposes andare intended to be broadly construed. Moreover, the descriptions andillustrations herein are by way of examples and the invention is notlimited to the exact details shown and described.

In the following claims, any feature described as a means for performinga function shall be construed as encompassing any means known to thoseskilled in the art to be capable of performing the recited function andshall not be limited to the structures or methods shown herein or mereequivalents thereof.

Having described the features, discoveries and principles of theinvention, the manner in which it is constructed and operated, and theadvantages and useful results attained, the new and useful structures,devices, elements, arrangements, parts, accommodations, systems,equipment, operations, methods and relationships are set forth in theappended claims.

1. Apparatus configured for use in a banking system controlledresponsive to data bearing records, comprising: a deposit acceptingmachine operative to receive deposit items, wherein the deposit itemsinclude cash, wherein the deposit accepting machine includes: at leastone data bearing record reading device; a housing, wherein the housingincludes an opening operative to receive deposit items into the housing,wherein the housing further includes a chest portion, wherein the chestportion is disposed from the opening, and wherein deposit items receivedin the opening of the housing move from the opening and are stored inthe chest portion, wherein the at least one data bearing record readingdevice includes a radio frequency identification (RFID) reading device,wherein the RFID reading device is operative to read at least one RFIDsignal from an RFID output device operatively connected with a deposititem in the housing, wherein the at least one RFID signal corresponds todata associated with the deposit item.
 2. The apparatus according toclaim 1 wherein the housing further includes an area operativelyintermediate within the housing of the opening and the chest portion,wherein deposit items received through the opening move through the areaprior to being positioned in the chest portion, and wherein the RFIDreading device is operative to read the at least one RFID signal fromthe deposit item when the deposit item moves through the area.
 3. Theapparatus according to claim 2 wherein the at least one RFID signalcorresponds to a financial account associated with an entity owning thedeposit item.
 4. The apparatus according to claim 3 wherein the at leastone RFID signal corresponds to content of the deposit item.
 5. Theapparatus according to claim 4 wherein the at least one RFID signalcorresponds to at least one value associated with the deposit item. 6.The apparatus according to claim 5 wherein the at least one RFID signalcorresponds to an amount of cash included in the deposit item.
 7. Theapparatus according to claim 6 wherein the at least one RFID signalcorresponds to a number and type of currency bills included in thedeposit item.
 8. The apparatus according to claim 7 wherein the at leastone RFID signal corresponds to number and type of coins included in thedeposit item.
 9. The apparatus according to claim 1 wherein the at leastone RFID signal corresponds to data on at least one check included inthe deposit item.
 10. The apparatus according to claim 9 wherein the atleast one RFID signal corresponds to at least one image of the at leastone check included in the deposit item.
 11. The apparatus according toclaim 2 and further comprising at least one antenna, wherein the atleast one antenna is operative to receive RFID signals from the RFIDoutput device, and wherein the at least one antenna is in operativeconnection with the RFID reading device, and wherein the at least oneantenna extends in generally surrounding relation of the area.
 12. Theapparatus according to claim 1 and further comprising at least onecomputer, wherein the at least one computer is in operative connectionwith the RFID reading device, and wherein the at least one computer isoperative to determine at least one amount of cash included in thedeposit item.
 13. The apparatus according to claim 12 wherein the atleast one computer is operative to determine a number and type ofcurrency bills included with the deposit item.
 14. The apparatusaccording to claim 12 wherein the at least one computer is operative tocalculate at least one amount of cash needed by a facility for operationduring a future time period, and wherein the at least one computer isoperative to determine the at least one amount of cash needed responsiveto the number and type of currency bills included in the deposit item.15. The apparatus according to claim 12 wherein the at least one RFIDsignal corresponds to a financial account, wherein the at least onecomputer is operative to cause the financial account to be credited withthe at least one amount of cash.
 16. The apparatus according to claim 1wherein the deposit accepting machine further includes: wherein the atleast one data bearing record reading device further includes a cardreader, wherein the card reader is operative to read data on user cards;a door, wherein the door is movably mounted in operatively supportedconnection with the housing, wherein the door is movable to controlaccess into the housing through the opening; a lock, wherein the lock isin operative connection with the door; at least one processor, whereinthe at least one processor is in operative connection with the cardreader and the lock, wherein the at least one processor is operative tocause the lock to enable the door to provide access into the housingresponsive to data read from a card through operation of the cardreader.
 17. The apparatus according to claim 12 wherein the at least onecomputer is in operative connection with at least one data store,wherein prior to receipt of the deposit item in the machine, the atleast one data store includes data corresponding to the at least oneRFID signal from the RFID output device associated with the deposit itemand the amount of cash included in the deposit item; and furthercomprising a network, wherein the at least one computer is in operativeconnection with the network, wherein the at least one computer receivesthe data corresponding to the at least one RFID signal and the amount ofcash through the network.
 18. The apparatus according to claim 17 andfurther comprising: a remote computer, wherein the remote computer isdisposed from the machine and the at least one computer, wherein theremote computer is in operative connection with the network, wherein theremote computer is operative to communicate the data corresponding tothe at least one RFID signal and the amount of cash through the networkto the at least one computer prior to receipt of the deposit item in themachine.
 19. The apparatus according to claim 1 wherein the at least oneRFID signal corresponds to at least one credit slip included in thedeposit item.
 20. The apparatus according to claim 1, wherein the atleast one RFID signal corresponds to a number and type of currency billsincluded in the deposit item, and further comprising: at least onecomputer, wherein the at least one computer is in operative connectionwith the machine, wherein the at least one computer is operative tocalculate at least one amount of cash needed for operation of a facilityduring a future time period, and wherein the at least one computer isoperative to determine the at least one amount of cash responsive todata including the number and type of currency bills included in thedeposit item.
 21. Apparatus configured for use in a banking systemcontrolled responsive to data bearing records, comprising: a machineoperative to receive financial deposit items, wherein the financialdeposit items include cash, wherein the machine includes a housing,wherein the housing includes a deposit accepting opening, wherein thedeposit accepting opening is configured to accept deposit items, whereinthe housing includes a chest portion, wherein the chest portion isconfigured to hold deposit items placed within the housing through theopening, wherein the housing includes an area intermediate of theopening and the chest portion, wherein deposit items placed in thehousing through the opening are movable through the area to the chestportion, wherein the machine includes at least one radio frequencyidentification (RFID) antenna, wherein the at least one RFID antennaextends in generally surrounding relation of the area, at least one databearing record reading device, wherein the at least one data bearingrecord reading device includes a card reader, wherein the card reader isoperative to read data on user cards corresponding to financialaccounts, wherein the at least one data bearing record reading devicefurther includes at least one RFID reading device, wherein the at leastone RFID reading device is in operative connection with the at least oneRFID antenna, wherein the at least one RFID reading device is operativeto read at least one RFID signal from RFID output devices operativelyconnected with deposit items in the area, wherein the at least one RFIDsignal read from RFID output devices corresponds to at least one cashvalue associated with cash included in a respective deposit item, atleast one computer, wherein the at least one computer is in operativeconnection with the card reader and the at least one RFID readingdevice, wherein the at least one computer is operative to cause afinancial account corresponding to data read from a card throughoperation of the card reader to be credited with at least one cash valueresponsive to at least one RFID signal read by the at least one RFIDreading device from an RFID output device operatively connected with adeposit item deposited in the housing through the opening.